actually if you get bumper plates you can always dump the bar depending on the exercise you're doing. eg - front/overhead/back squats, deadlifts, cleans, snatch, jerk, press (assuming of course that you're working out in your garage or basement or outside and not on a wooden floor).
This is also an excellent point.
Obviously such plates would be minimal help in a benching scenario, but for other lifts, a great idea.
I would think as long as your bench rack had multiple pegs, you could get the weight onto shorter pegs if you were to get stuck; though personally I would stick to benching weight that I am able to lift. It is extremely foolish, IMO, to perform a max rep of anything without a spotter. If you're doing actual repetitions, you should know when your muscles have had enough...
... which reminds me, I can't seem to count the number of times some jack ass in a gym loads up the bar, lets the weight down, and proceeds to push it up with about 10-20% involvement from the spotter. The spotter, IMO, should only have his hands under the bar in the event that the weight starts to drop back down mid-lift. He is there to spot, not lift. If he is pulling up with any amount of force, you're not capable of the weight being lifted and should reduce the amount. And yet numerous times I have seen the same person struggle with the first rep, and drop it down for second. In any case, none of this stuff should be considered in a home gym without assistance, let alone with a spotter.