Music volume? What about your sound level?

Bigjoe, no amount of care will save you if you really hit 120+ db spl. Think of "realistic levels" within the context of your room and try to limit the musical peaks (short loud passage) to a MAXIMUM of ~100db spl at yr listening position.

my RS meter is reading low 80's db range (81-84 db, measured from my listening position) for my normal high volume level. My normal background listening levels are probably in the 70-74db range. I haven't tested it, but I think for the few albums that I MUST listen to loud, it probably approaches 95db, but I doubt I go any louder than that.

This is actually a little surprising to me. I would have guessed my normal levels were in the 90's

Via my RS digital meter, my usual listening loudness at the listening couch (~10 feet away from the speakers) is 75-80 dB

Average levels (classical): 62-78 dB SPL
Average Levels (rock): 70-76 dB SPL.

around 85-90 dB for me.