For me, if something's hitting 100dB as measured from where I'm seated while listening, and not just for a brief moments, but with some regularity, that's loud.loudness in dB SPL without stating the distance is meaningless. As you know, SPL drops approx 3dB for every doubling of the distance.
You wrote "where I'm seated while listening" - what distance is that from the loudspeaker?
For me 95dB SPL 10 feet away from the loudspeaker is LOUD. I try to keep my peaks at the 90dB SPL level (again, 10 feet from the loudspeaker).