You should also factor in diminished enjoyment - if you're worried about bothering your neighbor by turning up the volume and are just keeping it lower out of courtesy, well, that's not really an ideal scenario either, especially if you have to put up with barely hearing what you're listening to as a result.
Additionally, many of the products being suggested here are not really rated very well and would be hard to suggest to someone listening on even using cheap stuff like the Philips TX2. I don't understand how these can be recommended by any reasonable measure.
$30 https://www.innerfidelity.com/images/PhilipsTX2.pdf
A few suggestions from the article, $50 and $200+ https://www.rtings.com/headphones/1-2/graph#617/2085/463