This is not entirely true. How hot you run your monitors is just a matter of how much you turn your volume knob and thus how much amplification you are doing. There is a difference between the dBFS used in the digital world and the SPL you get from your monitors.
To get the full benefits of the 144dB SNR from 24 bit, in theory all you need is to make sure the signal is hitting 0dBFS before AD conversion. Now this is only in theory as there are other factors that comes into the equation and practically even the best converters will not give you more than 120’ish dB SNR.