@big_greg , You have to know what the slope is. What They mean by crossover point is that the filter is 3 dB down at 20 Hz. It starts rolling off a little higher depending on the slope. Analog filters can not get as steep as digital without causing problems. You probably start rolling off around 26 Hz. This is not something you would hear. It is something you would feel or rather would not feel.
@vonhelmholtz , that is extremely misleading. Speaker measurements are made at one meter. This means at a normal listening distance in a normal room your speakers are down 3 dB at something like 80 Hz! Never and I do mean never do you want to run subwoofers with just a high pass filter. You miss a huge opportunity to clean up your midrange and upper bass. Cross up higher and use a two way crossover. Subwoofer manufacturers do not want to scare you out of buying their product by telling you you have to spend another 3 or 4 thousand dollars in cross overs and wires to get their sub operating right.