What should the headroom factor be?
I took a look of the specs of your RF7s:
When using the previously linked calculator, I took 7 dB off the specified 102 dB just to be on the conservative side and also to keep HD happy.
You can see that assuming you sit 10 ft from the RF7, with no room gain, just 1 single speaker can hit reference level with 100 W based on 8 ohm nominal impedance. If you sit further than 10 ft, just punch in the distance, basically doubling the distance will result in 6 dB reduction in spl.
If you add an external amp rated 200 W, 8 ohms, you can gain 3 dB, that's all. Yes with more speakers driven at the same at the same level the Denon AVR will not be able to sustain 100 W into 8 ohms, but even with 5 speakers driven at the same time it can still do at least 70 W per channel, and spl will only drop by 1.5 dB to 103.8 dB that is still do loud for most people.
The stories you heard from those who emphasized the so called ACD (all channel driven) power output are often by people who might have exaggerated it to make their point.
Depending on the contents, if you do listen at spl close to reference level, I do think it is a good idea to add a 3 channel power amp. The RB 990BX you mentioned would be a great choice, but its a 2 channel amp.
You may also consider class D amps such as the Hypex or Purifi amps. The best value currently seems to be the Buckeye amps. For $649 you get 350 W/500 W 8/4 ohms, or $1,049 for 4 channels.
Feel free to ask if you have more questions.