just as in the title. Anyone know if there is some info on this available. I know its very relative as to how you cover your ears, but an approximate/median graph would be useful to me.
You are applying a low pass filter - this tends to remove the middle frequencies in the spectrum a bit and the upper frequencies a lot. This is how I hear it anyway - try using a simple tone control to simulate the effect - probably just a fair amount of treble cut would do the same.
If you want to be really precise use a graphic equalizer that has a bypass button in it - bypass when your hands are across your ears and then remove your hands and activate the GE and adjust the individual controls to how you remember the sound - it shouldn't take more than 5 minutes to get some GE settings that are close to what your hands over your ears did.
Also when you've been on the phone to someone and they have incompletely put their hand across the microphone part of their handset - you still kind-of hear stuff but it is very muffled. Same with someone in another room - you can hear the bass stuff coming thru but the treble is lost along the way.