I'm not going to build my own 300 ohm variable L Pad, but I'd be happy with a simple resistor solution. Interesting that you suggest to put the resistor at output. I read that a resistor can lower the sound quality, is this true for Crack? (oh indeed you're saying this too? "I'm not saying it will sound good") Otherwise I'd chose the bolt solution.
"I would instead be inclined simply to not let people use your gear whom you can't count on to be careful with it."
This is out of the question since the people can be my family members
They/or visitors are (already) careful with gear but you know one can forget(at certain age)/not know not to use headphones as speakers