the inbound call volume on my phone is also kinda 'loud' in its lowest setting. it's not 'too loud' (for me), but definitely not as soft in the lowest setting as i'd like it to be. relatively speaking, it's louder (in its lowest setting) than any other phone i've ever used.
but having said that, i'll say that overall, this phone is THEE best "phone" i've ever had for actually making/receiving phone calls. i've hated some phones i've had over the years for their inability to play loud enough, or clear enough....but not this phone. inbound calls are 'rich', 'full', and as loud as i need/want (upwards....but not downwards! lol).
again, even on the lowest setting, it's not exactly 'quiet'....certainly as compared to other cell phones i've had in the past.....as i've had other phones that could be adjusted so that the inbound volume was as quiet as i wanted (all the way to near silent), but not here.
all in all, i'd rather have this phone be 'too loud' in its lowest setting than not loud enough in its highest setting (as i've experienced in many other phones).