Thanks for the comment and additional information.
I think it's safe enough to assert that any file with a 0dB peak but which is theoretically unclipped, as you describe, will be clipped if subsequently encoded with a lossy encoder*. Which means any CD or lossless audio that matches the "0db peak but unclipped" description already probably sounds horrible is going to be really ugly by the time it's converted to mp3/ogg/m4a as is commonly done.
*the only exception I can think of is opus as recent versions of the libopus decoder attenuate the level on decode/playback to avoid clipping. I did a quick check with a suitable retail CD derived wav, and lame, ogg vorbis, fraunhofer aac and wavpack lossy all produced a file with many clipped samples while the opus file produced almost none. Top image in each pair is regular Audacity view, bottom is clip analyser result.
wav:
m4a:
opus:
And here is a lossless file from CD (I ripped it to flac from my own CD). It's the same file I mentioned in an earlier post, Jimi Hendrix's First Rays Of The New Rising Sun, track 1 Freedom:
It sounds as bad as it looks.