The OP is correct. We went for years without subs, most of my audio career in fact. Subs started to make their appearance around mid eighties, even then they were not usual. And no, we were not blowing up woofers wholesale, in fact rarely.
Subwoofers are very much an American obsession.
Actually as I have said many times, any speaker worth its salt should be played full range. This is somewhat of an issue with ported subs in that the driver decouples from the box below tuning and there is useless cone excursion, that does not happen with other forms of loading. So a high pass filter at that point is reasonable. The best approach is to supplement the speakers around F3 with a sub.
What I hear with most systems I encounter is subs turned up far to high and reproduction miles away from realistic. The way I see subs used gets us further away from the realistic reproduction of music. It is no accident that individuals who listen largely to classical music shy away from subs.
You certainly should always audition speakers without a sub. The sound should always be nicely balanced. Crossing speakers over to a sub using an off the shelf crossover. That means in virtually all systems it will be the wrong crossover. Its no different really from trying to build a decent speaker using an off the shelf crossover from Parts Express. You know were that gets you!
The advice of a lot of UK speaker manufacturers is not to crossover and just supplement with subs. That is usually the best approach.
I firmly believe that that the best systems do not use subs, but present a full range balanced and coherent sound. For the HT environment there does have to be a way to mix in the LFE signal. This is not possible with a purely passive speaker. That is another reason to move away from purely passive speakers.
Unfortunately that type of system properly implemented is rare which is a pity, as the results are truly astonishing.