Are you saying that playing at my normal level I can blow my speakers?
Depends on what is 'normal' and also the quality/power handling of your speakers. A 'high powered amp' run at low levels is never an issue. Digging in hard with a very high powered amp turned up into a small cab can get you into a bit of trouble.
HOWEVER, the vast majority of speakers will start to compress and/or fart LONG before you can do any thermal damage. As long as you aren't an idiot, you should be fine
I think Bongo's point was if you are actually using the 'headroom', you are by definition putting out more power. There is a bit of a myth about 'having unused power is good' (headroom). You will only benefit from a higher powered amp if you are reaching the power output limit of your current head, and have a cab that can handle the extra power both thermally (cab power rating) and more importantly 'mechanically' (will you reach the mechanical limit of the 'pistoning' of the drivers... xmax/xlim' long before the thermal limit of the cab.
Most who hear the advantage of 'headroom' are either driving a smaller amp too hard (and hence benefit from a bigger amp), or are hearing different hi passing, gain structure etc. that makes the more powerful amp sound 'bigger' in some situations.