I can try to justify that circuit design after the fact, but honestly just playing with with breadboard, that got me the curve(s) I was looking for. Full range mid and high passed tweeter, in parallel with a resistor (variable with switch and trim pot) then a low passed woofer in series (more caps switched in for lower frequency low pass.)
1) First way I found to get a low pass working without affecting other drivers
2) The resistor in parallel with mid/high limits the impedance spikes (edit: and makes it very easy to attenuate the low driver -smaller resistance here = more volume on the low end.)
3) It still has good instrument separation and clarity, which I did not expect in series with the woofer, but go figure, it works pretty well.
4) I don't know exactly how the big guys use switches to tweak the sound, but usually it is very small changes. I wanted something pretty noticeable, so again, it just seems to work.