Ronny,
You are obviously not stupid.
But think about this, for a second. The 100dB that some <I'd say many, or even most> headphones can produce should not be listened to for more than 2 hours (according to OSHA) before damage will possibly occur.
Many people monitor for far longer, at that volume or higher, with headphones. Regularly.
Add to that the capability of a wall-powered headphone amp (NOT a walkman fer chrissake) with some real rails to power the 'phones and you may realize that the potential for damage is there. You're not denying that the potential is there, are you? Cuz it IS.
Balance that with the inability, for most of the same folks engaging in that kind of activity, to be listening to 100dB for two hours mainly due to complaints from neighbors and/or loved ones. (I'm not talkin' about a concert - I'm talking about people monitoring a recording whether it be tracking, mixing or mastering - hopefully in a treated space, but not always, right?) I check on headphones, all the time. But some people work exclusively on headphones, right? For long hours, right?
I'm not saying people don't monitor at insane loud levels on speakers in studios - they do. But if the control room is larger than an earcanal, well, sound has a tendency to decrease in intensity as you move further from the source. No matter what the measurement at 1 meter, most listeners are further away, right?
Even less people notice insane loud sound when the audience is one, due to an inner-ear reinforcement method (ie: headphones).
Perhaps you can then see, that the POTENTIAL for headphone monitoring to cause damage more often than loudspeaker monitoring to be a real and truthful statement, despite the wattage in the cottage. Because more people are using headphones than many other methods of monitoring AT THOSE VOLUMES. Its behavior, not physics. My kids crank up their headphones all the time, cuz they can, see. If they played their boomboxes that loud Mom or Dad would come running.
BTW, the low frequency driver in many in-ear monitors exceed 140 dB at most audible frequencies very gracefully. Afterall, they were derived from earspeakers for people with profound hearing loss! So do be careful, eh?
But most importantly, you see Ronny, my body can only stay upright for about ten seconds when I strap my concert rig on my head - after my neck snaps in two, I'm no longer concerned about hearing damage.
You are absolutely correct about concerts being very loud, though. Which is why most of them only run about 90 minutes - with many exceptions of course.
Take it light, fellas,
Fig