I've been in vehicles that was doing 151 dB on a termlab microphone, and that isn't considered " really loud" in the car audio world. I also had a stereo in my car that can pull a 140+ dB easy.
The reason why I'm not deaf right now is because human ears are not very sensitive to low frequency but very sensitive around the vocal range and higher. A blast of 150 dB at 40 Hz is loud but the perceived loudness won't be nearly as horrible as having 150 dBs worth of 3000 Hz coming at you going 1126 feet a second, the latter will also instantly and permanently damage your ears.
At home though, perceived loudness takes over as ambient noise is typically very low, around 30~40 dB or less. 110 dB in a room is plenty loud but again that's for midrange and tweeters, bass in the 120dB region is franky not that hard to obtain and that is also plenty loud.
... but it's never wrong to own something that's more capable than it really needs to be for your setup