When I had to share my house with an elderly parent and needed a bedroom system for quiet late night listening I got Quad ESL 57s and they were great.
But the levels you're suggesting are REALLY low.
I suggest throwing DSP at the job and adding a generous dollop of Fletcher Munson curve. I do it with my office system, using the MathAudioRoomEq plugin for Foobar2000 (because both are free - I'm a cheap old bastard) but there are no doubt better sounding solutions - the Dirac live software is amazing and lets you add custom curves.
Otherwise, why not get headphones? If you hate the weird "sound in your head" thing get AKG 1000s, which are still cheaper than most quality speakers and listen to binaural recordings.