Note: dB levels given are averaged slow C weighted, not accounting for short/transient passages of higher power.
I listen at about 78-80dB with most lower scaled classical music(the actual SPL most of it is played at, measured from center of the auditorium), but peaks easily peak at 105dB with some material.
I listen at about 85 dB maximum for rock/pop music.
Frankly 95dB is very very loud, and will cause hearing damage with any extended period.
Over 100dB is ridiculous for anyone that does not already have substantial hearing damage. If you don't already have this damage, don't worry, it will be quick in arriving with extended sessions at these SPL levels.
Normal sensitivity full range speaker with 100RMS watts per channel in average size rooms will start to distort audibly by 95dB-98dB as measured at the listening position in most cases - and this includes amplifier clipping(as the amplifier does not have reserve headroom for larger transients) and speaker motor non-linearity. For averaged dB power in the 100 or over range, one needs to either have very robust speakers with very high power amplification, or alternatively very high sensitivity speaker systems such as horn based speakers or professional based driver custom speaker systems.
-Chris