Do you think I will need to crank the ATC's volume up to more than an average of 75-80 db to get them to sound good?
Sincs you have a sub you will be able to compensate for teh lean bass response of ATC at low volume levels. However, I think that ATC 40 will be overkill if used this way. Why pay for something with typically less than 1% THD at very high SPL levels if you only ever need to listen at modest levels. I'd go with Harbeth's for your application.
FWIW - your concern about congestion might be related to your room (most any speakers perform quite well at such modest SPL levels). Unless heavily treated with acoustic panels, a small reflective room will tend to sound congested with most any speaker...you get a "claustrophobic" of cluttered kind of soundfield. So it might not be a speaker issue at all...