Loudness is the thing I care the least about. Lots of wattage just makes me wonder about what kind of electricity bill the thing is going to give me.
I play at maybe regular speech level or less normally. I like sound quality, although I'm by no means an audiophile, but I can hear the difference between a $50 system and a $500 system though.
I don't have one, and haven't had one for like 5 years. I play all the music through my computer.