What does 'big brother' say? Most towns have noise level ordinances. In the ordnance it will give what db's are considered objectionable,and which could get you a ticket. The most common use of these rules is to silence noisy air condition units. I would agree that 90db would be tops, with most listening being done at 75db to provide lack of strain. Hopefully you have found a good audiologist and have had your hearing levels checked. Only a good hearing test will tell you what actual levels you are 'hearing'. Oh, if you over 65 always get the wax removed. Medicare pays for two cleanings a year. You will be surprised how the latter provides better listening.