My tastes are pretty mild, but I do like a little kick in my food. My mum however, does NO spice whatsoever. It is a joke at our house that when my mum makes chili, she only waves the unopened bottle of chili spices once over the pot. because waving it twice would make the chili too spicy.
I have eaten a habanero whole, suprisingly it wasn't as hot as I expected, tough I once rendered a stew almost inedible because I threw a whole bunch of different peppers into, ranging from habaneros to jalapenos, regardless of that I ate it tough.
Well the stew didn't agree with my bowels, that was evident the day after. With the the habanero I ate whole, nothing happened, I am not sure if it just was a tame one, or if the milk that I drank helped, since someone suggested to me that milk neutrailizes the capsaicin in the pepper.
It depends on how you define the degrees of spiciness. I once dined at an Indian restaurant, I took sips of water after virtually every bite. However my friend who was with me could handle it no problem and told me there are places that push it further. What is considered spicy at a typical American restaurant don't bother me too much. Generally speaking, I appreciate spices to add a little flavor to food, but I don't care about getting my tongue (or nose for things like wasabi and raw mustard greens) burned.