You’re not accounting for the room in this analysis. For example, why did I seal my LCR array? I decided to investigate system performance one day, having set everything up as per usual guidelines (80Hz cross, speakers were vented). I measured the speaker’s FR without the subwoofer in play, but the high-pass filter still in place. Much to my surprise, there was a rather large peak around 45Hz, nearly an octave below the XO frequency. I decided to try sealing the speakers with manufacturer supplied plugs, and set the XO up to 120Hz to minimize driver excursion on the LCRs. The peak was eliminated, and I’ve had no reason to revisit that decision.
To wit, if the peak was that bad with an XO in place, it certainly would have been a very audible issue if I had run the speakers full range.