The number one reason for hearing loss is old age. Genetics has more to do with hearing loss than environmental factors for most people. Of course, hearing damage can occur from loud sounds. A sudden loud sound that pierces our ear drum or an ear infection can change everything. But in reality, it's not usually as big of an issue as most people think, or as society would have us believe. For most of us, our rate of decline in hearing was determined before we were even born. And whether we spend our lives in silence in a Buddhist monastery, or play nightly gigs at arena level volumes, the hearing loss most of us experience is going to happen at about the same rate because of how our bodies were made. At any rate the type of music you play should determine the volume you play at. Some music needs to be loud. Some music needs to be soft. Some music needs to jump back and forth between the two. Also, keep in mind that the human ear hears differently at different volume levels. We don't hear all frequencies in a linear pattern. So by changing the volume, you're changing the sound. A good musician knows how loud they need to be, and will play at the appropriate volume. So it doesn't really matter how loud YOU want to play, or what you feel comfortable playing at. That decision shouldn't be up to you. That decision should be up to the audience. Besides, drums usually determine the volume of the band. A hard rock/punk band is going to sound pretty bad if they're quiet, no matter how tight they are. There's energy in that volume, and the drums themselves need to be hit hard to get the proper tone. And on the flip side, a jazz band playing at full tilt will sound pretty grating. Jazz drums need to be played much softer to get the tones they require for most songs. Good musicians bend to the will of the song. Bad musicians just do what they want and think it always sounds good.