What decibel level do you listen at?

poor grammer on the question, I know, but I recently downloaded the SPL Meter app for my iPhone and I am shocked by how low the volume level actually is when I listen to music.

I thought I was normally listening at high SPL levels, but I have found that at about 85 it's too loud to think (when it reads 65, you can't talk to someone else in the room). I checked it against my real SPL Meter and the readings are pretty accurate.

I thought I was listening at about 90+ dbl on average, but I have discovered it's actually about 60 to 75 db, and that actually seems loud to me. I guess I'm happy about that, but does anyone else check the Decibel level, and what's considered "Reference Level"?