@knotscott - I agree with everything you said, and one thing people tend to forget is that when the main speakers can run full range, its probably a good idea to use most of that range on the main speakers, unless you are having problems getting loud enough with the current amp speaker combo. Sometimes cutting the mains back to 80 Hz will reduce distortion in the upper bass because the lower frequencies and increasingly larger cone excursions that go with them tend to raise overall distortion on that low frequency driver in the mains. But its something definitely worth testing if there is any question. For my own part, most of my speakers are full range so the crossovers to the subs get set around 40 hz or so...and then its time to do some level matching to get the subs integrated. Not to hard if you are systematic about it. Just time consuming.
The second reason to set that crossover as low as possible is to retain the directionality of the bass from the mains as much as possible, maintaining coherency, phase, etc. At very low frequencies it probably doesnt matter, but at midbass frequencies it very much does matter