Ideally, you want to have a crossover to limit the bandwidth to the mains, if you have a subwoofer. It is never optimal to leave the mains running full range alongside a subwoofer. Due to the different frequency responses of the mains vs. the subwoofer, the differing phase response ( phase is directly inter-related to frequency response ) can in some cases be of significant rotation difference to cause cancellation across a narrow range of frequencies. Also, a subwoofer ( a good subwoofer) usually will have lower distortion when playing low frequency content vs. the average standard woofers found in mains. By limiting the bass response of the mains, you may lower distortion at moderate to high volume levels. However, a proper crossover is another matter. I find that an 8th order slope is generally ideal for integration in general for subwoofers to mains ( due to many different factors that I don't want to get into right now ), but generally, receivers will only have a 2nd or 4th order crossover rate available. Assuming your reciever has a 4th order crossover rate, I would suggest trying to use a crossover frequency of about 60-70Hz, setting the main speakers to 'small', so that the crossover also filters these at this frequency setting.
If you are going to buy new reciever/amplification gear, I would recommend a total re-think of the normal considerations, as I can recommend to you equipment that will provide for vastly more control over your speaker system and provide for greater versatility and improved integration. So let me know if that is the case.
-Chris