For the 100th time...
Don't record around digital zero, because there is no safe zone if you aim for peaks at ~0 dBFS. If you do that, you will most certainly get clipped signals.
The whole point with this virtual headroom is to try and 'recreate' the headroom that analog desks have (most of them have around 20dBUs above 'analog' zero, which is 0dBVU, so that's why you hear this 'record with average levels around -20dBFS' sentence a lot).
The analog zero (0 dBVU) and the Digital zero (0 dBFS) are not the same, and that is where a lot of people are confused. If you go above zero in the analog world, you will not clip your signal (because as I said, most of them have around 20dB reserve above the analog zero), while if you go above zero in the digital world you will get your signal up to the point where it will clip, which in the digital realm is very bad. There is nothing above the digital zero, only pure clipping. Avoid that at all costs.
Don't record to ~0dBFS, there's simply no good reason to do so.