How loud are you typically listening?

The frequency response of our ears changes with volume. Every recording has a volume it sounds best at. If you push a recording that was mixed at lower volumes it will get bright and harsh. If you play a recording mixed at high volumes at low levels it will sound dull and bass-less. I will play the record at the volume it sounds "right" at.

You NEVER want your ears to ring. Ringing indicates damage. Our ears accommodate to loud sounds but the reflex is slow which is why impulse noises like gun shots are so bad for our ears. If you are going to listen loud it is important to warm your ears up by starting at a lower volume and raising it in increments over a five to 10 minute period. I'll listen to some recordings at 95 dB. Higher than that is risky.

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.