How loud are you typically listening?

50 to 65 ---which is really quiet compared to most!
But doesn't it depend on the ambient noise in the room?  E.g., I most likely listen louder in the car because the noise floor is much higher (but honestly I've never measured the sound level while driving :-)).

The ambient noise level in my room is around 25-30 according to my phone...my handheld meter shows 30-31 (but that is because it doesn't go below 30).  Above 30 my phone and handheld meter agree within 1-2 dbl so I'm inclined to believe they are both reasonably accurate.

Some of the newest sound level charts say below 70 db is the best way to avoid hearing damage. But there are many that will say 75 db, and some will even say up to 80 db is safe for up to 8 hrs. I figure 75 db is a good medium for safe hearing and yet enjoying a pretty full sound. 

I don’t own an SPL meter. I just adjust the volume to whatever is comfortable and right for the kind of music I’m playing. 

Tip: Since high frequencies are more harmful to hearing than low ones, I found out that making my subs more prominent in my system helps in giving me a fuller sound.