Charles,
Good point about clamp ability in pins (a few pins don't have that clamp diode), but why are you using such low val resisters ? Voltage dividers with 50, 100-200K value resisters make any voltage/power dissipation insignificant. I tried a touch sensor to a/d pin through a 10 MEG ohm R (and diode) which instantly brought a/d val to full, (5 volt).
Don