Power ratio??? Never heard of it. What is it?
It appears the flaw in your reasoning is that speakers rated at 90dB can and often do play at much lower levels. By definition a person can hear any level of signal above the noise floor. Consequently think of starting at the whole system's noise floor - including the noise embedded in the software - not the efficiency rating of the speakers to discern your dynamic range. Also remember that the power ratings of amplifiers do not dictate output. The wattage ratings serve as one measure of an amp's prolonged sustainable capability without failure.
It appears the flaw in your reasoning is that speakers rated at 90dB can and often do play at much lower levels. By definition a person can hear any level of signal above the noise floor. Consequently think of starting at the whole system's noise floor - including the noise embedded in the software - not the efficiency rating of the speakers to discern your dynamic range. Also remember that the power ratings of amplifiers do not dictate output. The wattage ratings serve as one measure of an amp's prolonged sustainable capability without failure.