I would have thought it would be difficult to give precise guidance as to how to avoid intersample overs in the analog domain by reducing the digital peaks. It would depend on the end-listeners's individual DAC reconstruction filters, and also depend on the slope of the transients in your music. In other words, different DACs will interpolate between digital data using a variety of curve-fitting algorithms, and steep slopes in the music are likely to give more grief (it's harder to "turn the corner").
Having said that, while doing a little reading on this, I discovered that Ozone's maximizer has a little button labelled "true peak limiting". I'd always wondered what this did. Apparently it prevents clipping in the
digital analog domain by being smart about the maximizing algorithm (and presumably making some assumptions about the end-users DAC). There must be other plugins out there with similar functionality.
Cheers, Peter.