As i said, i use my xba-h1 when traveling to the university, and on my way i have to take multiple trains, really loud trains. Usually, when i'm home, i keep the volume on the 7th step, but while traveling, it really isn't loud enough to cover the noises of the trains. Yet, with the n5 i cant' go past the 10th/11th step, as the ditortion kicks in. On the 15th step it doesn't get particularily loud (at least for me), but it's just enough to cover the outside noises. But because of the distortion, highs become really fatiguing (I start to ear like an high pitched "splashing" sound, really annoying), so i can't really push that high.
With one of my older IEMs, the sony mdr-ex50, i didn't have this issue, as on the 12th step the volume was alright. Yet, with the xba-h1, i have to crank it up to maximum to reach the same volume. Maybe it's because the ex50 are 16ohms, while the h1 are 40ohms?