I recently broke the bank to get a low power amp so I could crank it at home. I bought a Tiny Terror and an Orange 1x12 cab. Cost me £400 so not a cheap option (for me anyway).
This thing is insanely loud even on the 7 watt setting, I can crank up the gain but not the volume, or the other way around for a clean tone. It sounds great either way, but there is no way I could turn both up.
My point here is that a good quality amp that will withstand high gain will also be loud weather you like it or not. The only solution I can see is to spend yet another £200 on an attenuator to put between the head and the cab.
It's a lose / lose situation at home. Buy rubbish, sound rubbish. Buy good, can't use it.