I'm in the 90-100 dB crowd, but I use headphones mostly so no problems with amplification here.

Otitis media sucks. My 95 dB is someone else's 89 dB, and in the bad ear, maybe even 85. It's something I'm trying to get fixed before I buy a hi-fi. A lot of people who play music loud aren't doing it to deafen themselves, but to listen at normal levels with their hearing loss.