I certainly listened too loud when I was younger and my tinnitus today is the result. Actually, I started having tinnitus symptoms when I was about 40, (~25 years ago). I really regret not paying more attention to my hearing in my 20s and 30s.
I listen to my system a LOT - Roon says 200 hours over the past 4 weeks. Since Covid, I have been working from home most of the time and I have my "office" set up at the back of my listening room. Most of the time, I'm listening at 55-65 dB-C. My system sounds very nice at this level, with excellent dynamics and plenty of detail. Occasionally, I'll turn it up a bit, but it's pretty rare to exceed 80db peaks.