Thanks for all your responses! I read the article @StudioNSFW, it had good info in. Although the guy seemed to be pretty old school (not a bad thing) and much of the article seemed to be directed at guys coming over from analog to digital and getting confused with the transition. I can safely say I have no analog experience! ?. So I learned the reasons why digital meters having input set at -12dB to -24dB is quite normal and desired, whereas on an analog meter it could be at 0dB and still would have a 20dB or so buffer above that before clipping. I'm getting used to the idea that I can add gain/volume easily. This seems counter intuitive to me, considering looking at things like video, where you need to record big then scale down in order to maintain the level of detail. A lay person might think that recording loud is better as "you can always turn it down", whereas recording low would require artificial boosting. But you have all given me confidence that the levels I'm working with are fine and there is a difference between the recording input stage, the mixing and mastering stages and the desired levels at each phase are not the same.
Thanks all,
Dan