" If you run a valve/tube amp into a higher than expected impedance, all that happens is poorer power transfer, as the available current is lower - so net result = lower volume, but an easier time for the amp."
No Rob, valves don't work that way. Almost all OP valves are pentodes and they are essentially Constant Current devices which means regardless of the load, they will deliver the same current. Since the reflected impedance to the anodes is proportional to the speaker Z squared, a bit of math soon shows that the peak anode voltages can reach terrifying levels, kilo volts. (and yes, I know that is way above any likely HT voltage but trust me, it 'appens) . The output impedance of a common 30W amp, Vox AC30 say, is in the order of 50 Ohms. Even big 100W jobs are likely 10 Ohms or more so there is no "power matching" going on here.
Valves are very rugged devices* and will cope with quite a lot of abuse but ultimately they will arc over and that can not only bugger the valve but also 'carbonize' the valve holder/PCB and in some cases burn out the OP transformer. Result, a big repair bill.
As you say Rob, "Tickling" a valve amp into 4X its set load will do no harm but you can never rule out the idiot factor and ***t'appen, just needs someone to pull a jack plug out of the guitar end and for it to touch metal..BLAAAAAA! Sure you can go years as an individual and not have a problem but talk to a busy amp tech (ICBM
thefretboard.com) and he will give you the horror stories. "Our own" valve amps have a 'gizmo' that serves as SOME protection. Cannot give details because it cannot, AFAIK be patented and
Behringer rip them enough! I never had a traff burn out but a couple of widdlers DID try! 4 EL34s down the Swaney and some fuses.
The idea of loading a 16R speaker with a resistor is a good one. Yes, it will rob some power (but as explained above, not noticeably) and get bloody hot! Still, a tenner's worth of allyclad R in a tin could save you 10 times that in repairs.
*Modern valves are not nearly as tough as the old originals. The absolute specc for the EL34 e.g. says it can have 800V on its anode? I doubt any of the present incumbents could!
burnt out tube amplifier pictures - Google Search
^ Sort a thing.
Dave.