You can still use a red dot with 100% effectiveness with an occluded view through the optic. Left eye sees the target and directs focus to it, right eye sees the dot. This worked on older styles of optics (collimator sights I believe is what they're called), it works with Aimpoint's PRO caps that have a black front and clear rear, and are intended to be shot with both caps closed, and it's also the same general concept behind the Bindon Aiming Concept, though the BAC is intended to be used with magnified optics.
So having a front sight post directly in front of the dot, though less preferable to your view through the optic being either a completely covered and contrast-free (such as with the Aimpoint PRO's caps) or completely clear (such as with a dot with sights flipped down), it's still plenty usable.
So while you work better with nothing in view but the dot, it is not an impossible, or even particularly bothersome task to use a dot with items in front of it.
On two AK's I have Aimpoint Micros on Ultimak rails, which does allow a lower-1/3 cowitness, but I go thumb-over-bore, which puts my thumb right in front of the dot. The same concepts apply to that setup, in that my left eye sees the target, my right eye sees the dot.
But that has little to do with cowitness, I just thought it was worth mentioning.