So you're not as easily impressed as I am.

You are saying that the distribution panel is basically wired internally the way you describe, correct?
But wouldn't you need 4 jumper wires? If I have 4 binding posts (+/- for left and right speakers), I'd need a short wire connected to each binding post and then the corresponding wires for each speaker wire nutted together - so a short wire from say the Left speaker + binding post on the back of the plate and then Left + wires from the patio and bathroom speakers wire nutted to it and likewise for the Left -, Right -, and Right +.
There would still be a need for IM volume controls too, right?