I think what you are talking about is typically called ETTR (Expose to the right), ie expose according to highlights.
The basic idea is fine, although the back-of-camera histogram can be deceiving because it is based on the camera jpg. More (much more) is available here:
https://blog.kasson.com/using-in-caera-histograms-for-ettr/
(I copied & pasted the url, so the missing m is correct)
Otherwise, it can happen that you want the background to clip. Shooting at 5pm in winter in Lyon, there are lots of times when you are going to have way more than 14 bits worth of DR in front of you, and you’ll need to decide what you want. You might be shooting with a plain white background in studio, and you want the entire background to be paper-white: so whether all channels are at 255, or one or all is way over, you’re going to push them into clipping with the tone curve or similar. It doesn’t matter. You can easily have a super-bright reflection off a belt-buckle that doesn’t matter… or it might be off a belt-buckle just in front of the face of the subject and it does matter… but maybe then you need to mask it. Good luck.
For more exotic artistic reasons, you might want the main subject clipped… but yes, you should know what this is going to mean for processing. It will be easier if you are going to convert to B&W.