I was trying to watch The Prestige a couple of nights ago, and this is a film that I wouldn't normally have associated with loud or intrusive music, but I couldn't understand about half of what was being said. The rest of the time I missed a great deal because the actors seemed to mumble their lines rather than speak clearly.
One of the reasons I tend to just leave on the closed captioning. Sometimes, usually on the best lines, the dialogue is just too difficult to hear for the background sound.
And I usually have excellent hearing, even at my age. I didn't blast music through headphones when I was younger.