You're asking 2 or 3 different things.
First, where do you see, "100% peak level" ? If you see this in the lower left of the DSP Studio, while you are playing songs, that might indicate that you are digitally clipping. Clip protection will help make this less obvious, but it won't fix severe clipping and it's not a good idea to rely upon it. You should NOT be getting digital clipping unless you are using EQ with boost. Do you have Parametric or Graphic EQ enabled with some frequencies boosted? If so you should also engage a volume reduction to prevent digital clipping.
Next, about damaging your speakers: MC hitting 100% won't make your speakers get damaged. Too much power over time will kill your speakers. Analog clipping, inside your amplifier will kill your tweeters. I think that A5+ have internal amps and I'm not sure if they have clip protection or if they are just like any other amp and will gladly fry your speakers.
Crackling sounds are almost never a good thing. Generally speaking that means that something in the signal chain is being overloaded. It might be MC making really hard digital clipping. It might be your amp(s) clipping. It might be the speakers telling you that they are very unhappy. It could be on the recording (unlikely). My bet is you are using boost eq and you are hearing digital clipping. Just a guess.
Finally, the "my songs aren't punchy" when using volume reduction: When ever you reduce the volume, things sound less "fun, alive, involving, punchy, detailed" etc. Just turn up your analog volume control to compensate. I mean the volume control on your amp (which again, might be built in to the speakers in this case; I can't remember).
Brian.