How loud are you typically listening?

I just hit 105 dB for just a short period to see what these Sound Labs speakers would do. They certainly have more in them but I don't.
If you warm your ears up slowly 95 dB is not a problem for most of us but for some of us it will be.

 All of us develop presbycusis as we get older, our high frequencies roll off. At 65 you are very lucky to be able to hear 16kHz. Fortunately, you probably would not really notice you had a problem until you drop below 10 kHz. Music is still very much enjoyable. Those who are going to be in trouble and really need to be careful are already going to have an unusual amount of loss by 65. If you want to know get an audiogram done. 

All music has a "right" volume level. If you have loudness compensation you can change that volume to some degree.  Then there is that visceral component in music that is missing at lower volumes and with systems that do not get very low down. This is the component that makes live performances such a trip.

Mozartfan, you listen in a closet? What is the point? You'll have to ask a higher authority about that. Why do guys like loud cars and motorcycle? Probably a display of power. Is music the same thing? You need to attend a Nine Inch Nails concert. Just don't get too close to the front.

Warm up your ears, nicely put @mijostyn, 16kHz is the best scenario for younger ages.

G 

I can speak to the specific case of Classical music. I usually set the volume so that the peak crescendo hits roughly 86db on my RadioShack sound pressure meter. I find this seems to mimic a real world concert listening experience.  This puts the softer sections down in the 50-60db level. 

Indeed. One of my favorite moments at a concert is when everyone pulls out their SPL meters to check the crescendo level. I look around at the readings and this way know where to sit for next time. But then at home I worry, am I setting the volume for where I like it way in back? Or should it be higher for where the recording engineer thought the level should be? These problems worry me so much I can never enjoy classical.

Depends on the music, but the loudest is just under the distortion level.