The input trim and a pad are there to limit the incoming signal, a DI will NOT do that unless you use the pad on the DI. The 1/4" output of the keyboard may be lower than the XLR but usually only by the difference in differential gain so, about 6dBu.
The whole point of the OPs post was that the console input gains and pads (or lack thereof on an LS9) DO NOT control the signal sufficiently in this instance!
Using the 1/4 out is not about the level of the output of the keyboard as much as it is about the output level of the DI.
I would think the XLR outs of this keyboard are MUCH higher than 6db compared to that of the DI even if the pads are off.
Although, if the 6db lower signal stops the clipping, problem solved.
Reducing the level in the software of the keyboard makes the most sense, in this case.
However, a 12 db reduction may still leave you with a fairly "hot" input gain.
But there are other cases...
I have run into this problem with DJs that drive the crap out of their mixers and overload the XLR in on the console.
No amount of pad or gain reduction stops the clipping.
They don't seem to have the "speed" control you allude to in your car scenario.
A DI or inline pad solves this problem.
Same problem when bringing broadcast level signals to the XLR inputs of the console.
+4 is too much and I'm not about to tell the truck to change levels (speed) for me.
An inline XLR pad solves this problem.
I have also had this issue with the outputs of conference systems when returning to an XLR on the console.
It used to be that consoles had XLR and 1/4 TRS returns that addressed this kind of problem.
Now, with the "do it all" inputs, some kind of levelling may need to be done before the console and should protect from user "speed" selection.