A crossover has a slope associated with it - the sound doesn't just stop at the crossover point, so the higher you cross the sub, the more likely you are to be able to localize it. 120Hz will almost certainly result in some sound being split between the mains and the sub as well as allowing the sub to play farily high, increasing the likelihood that it will be localizable. At 100Hz, this lessens but is still pretty much the case, but I've used 100Hz and found it to be tolerable. At 80Hz, it seems to become less of a problem because the sub should be rolling off mostly by 160Hz vs as high as 240Hz with a 120Hz x-over.