In my workflow, I have 4 pieces together. HiRes, LowPoly Quads, LowPoly Tris, and LowPoly Tris Cage. I use Tris and Tris Cage to bake HiRes. Then apply the texture to the Lowpoly Quads.
This might help you. It has helped me greatly. If you don't use ZBrush, you can adjust the cage yourself. Technically, The Low Poly is matching the High Poly. The Cage (duplicated from LowPoly) is bigger than everything else and it should cover the whole High Poly without overlapping itself ever.