For 75-85 dB a few watts are enough so ...

The largest cause of speaker failure is having an underpowered amplifier that clips and distorts loud sounds which can occur in music without you even being aware of them. This can occur even if you aren't listening at reference level.

Some need it to break their lease.

I think there's a lot of fuzzy thinking and bad math when it comes to this subject. 500 extra watts doesn't make the first watt any better or worse. 1 watt= 1 watt.

Because we're trying to reproduce music, not just sound.

This is an bizarre concept to most of us, but work is the function of energy over time and when there is little time to do a lot of work, it takes a lot of energy.

"Because we're trying to reproduce music, not just sound"

Let me fix it for you:

We are trying to reproduce a stereo mix which boils down to multi channels such as guitar, vocals, drums, bass, keyboard, mic's that pic up room echo, etc. being processed into left and right. Then we obsess about how to fix things when the "images" are bunched up due to:
underpowered (chose your class and topology) amp, poor cables, poor transducer dispersion, lowly preamps, fill in the blank...

The concept of imaging w.r.t. the stereo mix is met with skepticism in my mind...sure I like "holographic" sound but it's all an illusion.