I deleted my post, as it was not clear at all. I apologize for that. When I get my thoughts clearly in order, I'll address the issue again.
OK ... I did a little experiment. It was not rigorously controlled, and my measurements were not necessarily exact. Here's what I found:
I took a piece of plexiglass about the size of the head and upper chest area of a person. (I have one that has been laying around for many years.) First I snapped my fingers about 2 inches from my ear canal, but in free space. Than I moved the plexiglass close to my head, hopefully simulating the body of someone whispering to me. I could hear a lower-frequency component being increased.
Then I did the same thing, but with my fingers snapped only about an inch from my ear canal. This was difficult, because getting my fingers in there, snapping, and moving the plexiglass was almost like a circus balancing act; it took great care and many repetitions.
However, in the end, the result was similar. There was an increased lower-frequency component. Although it was not quite as noticeable as when I had the snap at two inches from my ear canal, it was very close.
It seems that there is a reinforcement of lower frequencies as a larger object (like the upper body of someone whispering to us) is brought close to our ears. I call this "acoustical loading".
That's probably the wrong term. However, the effect is real. So when you said ...
I thought a person whispering into your ears 1 inch away should sound a lot more bassy than 2 inches away, yet the difference in distance is small enough that the person doesn't really need to change the volume or the tone in which they whisper.
... you may have been correct, but to a lesser degree than what you suspect.
That's my story and I'm stickin' to it!
Jim