Actually, I should say my IDEAL situation would be this:

For home theater/tv run everything as small w/ the front xo at 40hz, center xo at 60hz and surrounds and back xo at 80hz

and then go into "stereo bypass" and run the fronts as large w/ no xo to the subs.

That would be my ideal, and that's what I thought the entire notion of "stereo bypass" was.