That's a good question. I can't tell you with certainty, as I have used a deliberate digital negative preamp for many, many years at this point specifically so I don't have to worry about this issue. Sometime when I have a few days to kill, I'll look at the incidence of intersample overs in contemporary popular music and my own library (given how poorly produced most of my music is, I suspect it will have more).
I'm sure that those 3dB are a life-altering difference in both peak output and usable SNR, so I fully understand you