I guess listening on headphones rules out room intelligibility & brings the focus to system intelligibility. This is where I came into this thread & referenced Fas42's question to Art - to paraphrase "can the electronics have a role in this intelligibility & how much of a role?" I am of the opinion that it can & this is a test to determine this.
So, if what is coming out of your speakers is not intelligible, it doesn't matter how good your room is, it will still be "unintelligible"
I hear you, and I'm more than sure that my system is not the most revealing in the world, but it actually did rather well with Art's file and has always proven to be very revealing within its range, compared to most. Especially the headphone system. I even tried this with my Etymotics IEMs, which are super-fast and incredibly competent at isolation, removing a good 20 dB of the room's noise floor. I'll look forward to others weighing in, because I'm hearing nothing, not even a soft modulation, and I can usually hear even subtle finger vibrato on the headphones. I don't know what you're hearing, but I'm pretty sure it's not the plucking of the string. I doubt anyone can pluck a string that quietly.
Tim