Generally, my rule is that I can listen to music loud when I'm outside, when I'm alone, and when I'm at the gym. I try not to listen to music as loud around other people,but, I'm very guilty of it in car rides. The normal volume I listen to music is 90%.

I know it's not ideal but music doesn't sound as good to me at a lesser volume.
If I'm in a confined setting with people, I automatically turn it down, no question.