I'm not quite following - why does recording signals too hot affect the sound? And the hotter the signal, the better the SNR (not sure if you were saying that too or not). Also, bear in mind that because DI's are so absurdly dynamic, peaking at -3 of course doesn't mean that the overall level is anywhere near that hot. And "almost" is the key word there (even if it were to clip slightly on a massive palm mute transient, it's so quick I doubt it'd even be noticeable, similar to clipping a snare)
Yup, this has been my experience as well
http://www.massivemastering.com/blog/html/blog_files/Proper_Audio_Recording_Levels.html
It's what I've read, I'm not sure if it's right or not, but I don't want to risk it