have you actually tried recording at the middle and two extremes of your gain range?
have you listened to the sound of the hot recording, versus the very conservative recording, versus the more industry standard -18LUFS with at least 3-4 db of headroom?
you will decide based on your own experience.
when you use low end convertors and preamps as the ones you describe,
i would err on the side of conservative.
24 bit recording allows for very low level recording to be brought up without bring much noise.
if you have good source tracks, and good convertors.