I think my original question made it clear that I understand there are two ways to adjust the volume....
My mp3 player has a radio as well. It has the volume level separated into 30 gradations. I estimate that the radio on the N800 corresponds to about a 12-13 on my mp3 player. I usually listen to the radio at about a 6-8. I guess my ears are more sensitive than others. And again, it does depend on the setting. My office is super quiet. If I am walking around town it needs to be louder. Oh well....