First is the summing of the below 80Hz no matter what you do.
Incorrect.

If you engage the 80 Hz analog crossover, everything works as it should.
And as far as the "6 ch bypass", you are correct, but it is a known bug. You have to be in a 5.1 DSP mode before you switch to 6 ch bypass to get all 5.1 channels (DD/DTS/5 ch stereo, for examples).
Same bug also effects the test tone generator. Have to be in a 5.1 (or 6.1 or 7.1) DSP mode, or else you only get 2 channels out of it.