Let me get this straight, 20% max volume is too loud for you WITH or WITHOUT your gains set with the above method?
If it's too loud with your gain set too high, you're just going to drive more noise and distortion with your HU volume.
If it's too loud without your gain set, then why are you adding gain to the signal in the first place??
What a lot of guys don't seem to understand is that you don't NEED to set your gain. Let the source (your HU) drive the signal. Some HU don't clip, but for those that do, 75% max volume is about the end of the line before clipping. Run that all the way out...and if needed, gradually increase the gain until you're satisfied.
I really think this stupid DMM method would go away and never return.