How loud in DB, Is "cranking it"

I have never measured the volume of my listening...that's a bit too anal...

How deep is the ocean?

80 to 85 db is cranking it for me

The following is my understanding about sound and power

2 speakers increases the sensitivity by 3db so (sourced from enjoy the music dot com)
1 87 db speaker will produce 87 db of sound at 1 meter with 1 watt of power
2 87 db speakers will produce 90 db of sound at 1 meter with 1 watt of power

Placing a speaker in a room increases the output by about 4db so (sourced from enjoy the music dot com)
2 87 db speakers will produce 94 db of sound at 1 meter with 1 watt of power

Power required for average sound (Sources from PSB speakers)
2 87 db speakers will produce 94 db of sound at 1 meter with 1 watt of power
2 87 db speakers will produce 97 db of sound at 1 meter with 2 watt of power
2 87 db speakers will produce 100 db of sound at 1 meter with 4 watt of power
2 87 db speakers will produce 103 db of sound at 1 meter with 10 watt of power
2 87 db speakers will produce 106 db of sound at 1 meter with 20 watt of power
2 87 db speakers will produce 109 db of sound at 1 meter with 40 watt of power

The inverse square law states that when the distance from the source is doubled, the sound pressure weakens by 6 dB.
2 87 db speakers will produce 96 db of sound at 3 meter with 20 watt of power
2 87 db speakers will produce 99 db of sound at 3 meter with 40 watt of power

You also need to account for musical peaks which are louder than the average sound and voice coil heating which affects the speaker sensitivity

Everyone has different tolerances,  I like listening to small jazz ensembles or symphony at what I would say are "live" levels.... The problem is what is that?  A live Rock concert can hit peaks of 124 db and 121 db is the normal threshold of pain... while going to a symphony, you may be lucky to hit 92 or 93 db. 
And no, I would never attempt to listen to anything in my home over that mid 90's db point.
Ok,  so what is cranking it?