Whether or not you think speakers have changed much over time, there's probably one thing we can agree on - and that's the fact that there isn't one speaker that doesn't sound better above, rather than below, conversation level volume.
Sadly for OP Steve, he's limited to the former.
Like him, I'm very conscious of, and considerate towards, attached neighbours.
But, as I've said before, If I had to ALWAYS play at a level where normal conversation could take place in the same room....I'm not sure I'd own a hifi - probably wouldn't have spent so much on it.
Anyone disagree when I say that at such low levels you're never going to hear the best any speaker can do?....(No doubt Stuart agrees, he's only happy at 90% of max. 🙉)