OK, I'm a novice as well - but when I think of an amp clipping, what causes it?
Overdriving the input stage (with an active bass, effects box, or input gain turned up too high) can produce a square wave. This could cause a dangerous output signal at any volume level.
Clipping when the output stage is overdriven also seems a little odd - if I designed an amp, I would design it such that for maximum allowable input level (WITHOUT producing a square wave, in other words) would be amplified for a rated load (ohms) on the output stage, with enough headroom in the power supply and controlling circuits so the output wouldn't clip. Period. If you do that, there's no way an in-spec input can cause a dangerous output.
I guess that's not the case in the real world. Compromises have been made...
That being said, I would imagine the more expensive amps have more headroom.
But the advice to make sure the amp has more power than the speakers is probably right on target - if you don't turn the amp up beyond the speaker rating, then short of an input overdrive issue, it should not clip.
Sigh...there I go, wishing to find an SVT at a flea market again!
EffClef