I'd love to have a separate HT room.
Failing that, my good 2.1 setup does double duty.
I don't mess with any settings. When listening to music, either XM or CD, there is a wide variation in bass quality and quantity.
How loud I listen also makes a difference. Louder is usually better and when cranked up and I go to another room, it sounds like a band is in-house.
If I started changing settings....depending....I'm sure I'd drive myself nuts.
I keep my x-over to about 40hz for my panels. I went thru a couple weeks of listen/change until I settled on the current settings.
Want to read some weird stuff about bass? Go to the Car Audio sites! That'll knock your socks off.