Y'know... I'm really tempted to hoist the BS flag on those that claim to listen at levels under 90 dB.
Your argument assumes that everyone listens to the same type of music as you, has a similar-sounding room, and enjoys their music at the same loudness levels as you. I know I listen to all kinds of music from classic rock to classical and jazz, and some of it I listen to louder than others. But I know from measuring that my average listening level is under 90 db.
As I stated in my post above, with all the room treatments I have, the measured db. levels are naturally lower at a given output volume (due to reduced reinforcement from reflections) and the clarity is much higher even at lower volume levels. So you don't have to turn it up so loud for it to sound great. Although I generally like to listen fairly loud, I find that my music can sound awesome even at a very low volume levels.
If you are having to listen into the high 90's to find your music enjoyable, I highly recommend you invest in some acoustic treatments for your listening room. Your ears will thank me later.