Set it to taste. If i have it at 100db, it gets quickly very loud, therefore i never "crank" my interface. 85db for me personally is sufficient and i am always well in the negative values, but YMMV.Out of curiosity, what effect does setting them on 85 as opposed to 120db? Presumably, if set to 120db, I'd need to crank the volume less on the RME to get to the same volume?
The louder the speaker's setting, the more hiss, i think. AFAIK it is better to have the RME louder and the speakers quieter, but i can't explain it technically. A typical interface performs better at 0dB than -15db, for example. But as i say, 100db (speakers) is the standard value - you can let it be or change to whatever is most practical to you from there.