I did spend a couple hours before lunch, playing some more tunes with the speakers set to small and the sub handling all the LFE. For music playback I think I tend to prefer this. The bass is more accurate, though the sub does tend to give itself away on a few rare occasions in the higher bass frequencies...I'm 100% confident if I could lower the LFE cutoff on my receiver to 80 or even 70 Hz, this would all but be eliminated. There's no loss of bass now that the speakers aren't handling it. If anything, the midrange seems a bit better. I can't believe I never tried this before.

I then spent the afternoon watching LOTR: The Two Towers. Okay, this made a far more significant improvement in my setup for LFE effects in 5.1. It's my belief that while I wasn't missing any frequencies below 90 Hz (my receivers cutoff) the ones above say 50 Hz or so were being output by the speakers alone...the ones below by both (to the limit of my Studios). This result in some very uneven bass "humps" (for lack of better terminology). Even though my sub was set properly volume wise, the bass output didn't blend in as seamlessly as before (though at the time it sounded quite good to me).

At this point I think I'm truly beginning to understand the advantages of decent bass management in a receiver or crossover. I really can't wait to get my RX-V1400.

For anyone with large speakers that hasn't tried playing with the size settings, I'd suggest you at least give it a go.
Thanks to all who posted!!!