One thing to remember is that sound pressure levels are not continuous when listening to music. SPL varies during music, especially dynamic music (which is what a lot of people on head-fi listen to), and there are usually pauses of silence between songs, as well as quiet sections within many songs. It's much harder to predict hearing damage with these kinds of conditions. The most sensible approach I've seen involves listening to where it sounds good and you feel comfortable (no strain/feelings of pain), and then turn it down one notch. It's unscientific, but it's a good rule of thumb given that most people do not have access to necessary equipment.