Larry
On my setup, Tempest sub and ARdiy speakers (speakers can handle down to 38Hz (measured) before roll-off) I found the best crossover setting of 100Hz. At this setting when measuring with the Spl meter and using a frequency tones disc I found the response the flattest down to 20Hz (don't have any frequency tones below 20 on my disc). I definitely don't hear where the subwoofer is; it blends in very well with my 6 speaker setup. I think every system and room acoustics is unique; therefore experimentation is the key in finding the best crossover point. When listening to multichannel SACD the bass appears to come from wherever the bass is placed on the sound stage.
By the way I'm loving my 1050, a great buy!!!!