O my!
I think i hit a nerve.
Im not going to start a pissing match(there is a lot of fail in this thread) but one has their way of doing things that includes half assed, while others take their time and do it right. If i look at it this way yes i half assed it too because i did not go out and tune with a oscilloscope, so i did the next best thing(dmm).
Now back to original post i was trying to clear up is that you stated a ""A low pass filter decides what frequency to cut off below 20hz."" which is wrong a Low pass allows all frequencies below a set point, and blocks all above that set point.
And i stand by what i posted a good starting point on settings is to set main speakers main speakers high pass to 80hz and subs low pass to 80hz. Then you can start to fine tune the range knowing the specs of the speakers.