Yes, some other pointers. murray, if for instance you ran your stereo speakers as full range, and selected stereo, your subwoofer could end up being unused if stereo is selected.
If you do select a xover, then sub is used. There is relevance here as far as choosing between HT and stereo music, for HT tracks do send full-range signals to all the channels, and therefore its possible to have both full-range mains AS WELL AS a subwoofer in the mix.
Whatever setup you do have, make sure the preamp knows exactly what is connected. This way everything will be sure to be downmixed to your mains. If and when you add a center, that channel is no longer downmixed, and will be a discrete channel. Likewise for the surrounds.