Quite welcome!
Also, a little more clarification. I think your determination of where you set that all-important crossover will have a lot to do with your typical audio usage. In GENERAL, the audiophiles/music lovers don't prefer, or maybe need less subwoofer work done than the home theater types, who will probably be sending a lot more lower Hz to the sub.
So, and again, speaking VERY generally here, if you're a audiophile type, you might let your speakers do "more lower Hz work" by setting that crossover lower (or even turn the sub off in some cases).
If you're more of a home theater type, the sub might need a little more room to work out, so you'll set that crossover higher.
And no, I'm not ignoring the fact that some speakers and some subs are good enough to infringe on each other's Hz duties.
Just a matter of experimentation to see how well everything "blends" given how you use your system!
Good luck!