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So I gather for monitoring, you're in favor of a power anp rated higher than the speakers?"
No Rob, or not much. It does not much matter WHAT clips or where, a square wave is effectively the DC rails of the amplifier (although of course it flips polarity twice a cycle) and that is a much higher power level than the "music" power of an amp. The tweeter IS vulnerable because mid band audio will give rise to harmonics at a higher level than it was designed to cope with in "normal" music spectrum. But I say, for high power systems the tweeter should be rated for the amp's power or protected in some way.
Sitting at a desk or listening to hi fi is one thing. You can have 50W speakers and a 100, even 150W amp because even pretty low sensitivity speakers, 85dB/Wmtr say, will chuck out over 100dB SPL for 50W, 'er indoors will shout! Then, since you are LOOKING for problems, even a mild degree of strain or distortion will be evident long before damage occurs. And finally, speakers don't die from a mild overload instantly, only a gross overload will pop things as this thread tells us.
The situation is very different in an auditorium. There the sound engineer might be many mtrs away fro the speakers, might have cans on for T/B or cueing? The sound level can creep up until something melts.
Guitar amps are different. We KNOW they will be driven into distortion and so the amp will deliver up to twice its rated power. For instance I never measured an HT-60 Stage that delivered less than 80W at visible clipping. If you take 10%thd as the standard for grotty gitamps the HT-100 easily qualifies as a 120 watter and goes on to produce even more as you press it. And those figures are tested for a measured 230V mains input! In practice stick another 2dB or so on them.
As I am wont to say quite often here...Shit Happens!
Dave.