If you disable Maximize Compatibility you also lose compatibility with current programs from Adobe itself, such as Lightroom. So while it seems like a good thing to turn off old crufty stuff, it actually is horrible.
I didn't know that Lightroom had that restriction, actually. Is that tested with CC 2015 versions of both programs?
I do know that Maximize Compatibility doesn't affect usage within Illustrator and InDesign documents, though, which to me are the more common use cases for a PSD anyway, so I'll probably stick to unticking that box.
Instead of a white top-layer you could also disable the "Maximize compatibility" option when saving the PSD, which will strip out this full size rendition.