It is preferred to have more power on tap from the amplifier than is actually needed. This is because you want to minimise distortion at high volumes. Actualy it's clipping that is the real problem; it is clipping that causes distortion. Basically, clipping is when the output rails of the amplifier's output channels e.g. L, R, centre, etc. are exceeded and thus we have a flat DC output wave rather than an alternating DC output wave. What happens is the top bits of the output wave are chopped off at maximum rail voltage cos the desired voltage peaks cannot be reached. The delicate copper windings of the tweeters cannot handle pure high amplitude DC flatliners for long durations; the coil can burn out. I believe the tweeter is most at risk from amplifier distortion; the amp will probably be ok; they usually have thermal cut out anyway. Peak output or gain on most hi-fi amplifiers is 12oclock or half power with the high outputs (about 2-3v) of most soundcards and CDP's. Of course, this only really matters if you like loud volumes greater than say 12 oclock (half way) on your amp dial when playing a CD or MP3 at max volume on the CDP or soundcard. If you like more modest volumes, it is fine to run a 200W speaker with a 50W/ch amplifier.
Woofers fare well in the face of adversity.... but they can also be blown.. they too have delicate voice coils... only not quite as delicate as the tweeter's...
If you want maximum loudness for minimum outlay, you are best choosing the highest sensitivity speakers you can find... a speaker with a sensitivity of 88db/W/m will go half as loud for the same watt of power as a speaker with a sensitivity of 91db/w/m..
The problem with manufacturer's Wattage ratings is that they often qoute wattage output at different distortions and impedances so they cannot easily be compared....