I tried the FX loop volume yesterday. Works like a charm :D
It does take away some of the dynamics of the sound, but I could get a useable home level with a 4x12.
That doesn't mean I'm not looking forward to turning her up with a band though

As for earplugs : I rehearsed for years without which did irrepairable damage to my hearing. Used earplugs for a while but got one of those drummer headphones now, kind of like Paul Gilbert.