using a 0dB tone ensures that you will not clip when any clean signal is fed into it. it is the safest method but you won't see rated power out of the amp.
this is fine because at rated power you also get the most distortion. if you buy amplifiers larger than you need, then you can be as loud as you desire, with no concern for clipping due to your gain structure.
certainly, a lot of modern music is clipped. and a lot of modern music uses the entire range.
time for some pictures.
now, bass itself is usually -3dB to -6dB down since it is just part of the signals shown, and there are vocals and music riding on top of the low frequency signal... except for lone bass drops which can be mixed at max... or the example above where the bass signal is clearly near 0dB and the music just flat out clips. for speaker amps, i always use a 0dB tone - since that range is usually maxed out and those speakers are most sensitive to overheating. for sub amps, i keep sub level at the HU low, use a 0dB tone, then intelligently increase sub level based on the album.
clipping from gain structure is pretty **** obvious and easy to avoid.
Autosound 2000 Disc 102 includes test tones that are intentionally clipped for a bit so you can set gains by ear.