Gonk, thanks for the info but it brings up another question.
If I understand you correctly, then the 3910's speaker and crossover setting only effect the 5.1 outputs and not the digital outs.
So if I were set the speaker settings to large, sub on in the 3910 as you recommended, wouldnt that have an effect when playing SACD/DVDA? Or does the 990 BM also apply to the 5.1 analog inputs. (I don't have the new firmware loaded yet if that makes a difference)

Thanks for the help.