Abarnett,
The frequency that the bass becomes really bad (penetrating) is dependent on a variety of factors, some of which are:
1. The room itself and how it effect bass frequencies.
2. How much insulation is between your floor and neighbor ceiling, and how well constructed the floor joist are.
3. The type of music you play, and how loud, and at what hours.
4. The types of dampening you plan to do (thick carpet/padding, ect) that you're going to use to prevent "sound bleed" into your neighbor's unit.
5. And probably the most important, the tolerance level of your "downstairs neighbors" towards any bass frequencies coming into their unit.
The fact that you're moving into an "older wooden house" pretty much tells me, you're going to having some issues with sound transmitting into your neighbors unit, as most older wooden homes are not well insulated and have many area in the walls and floors where sound will penetrate.
Once again, my suggestion would be stand mounted monitors that probably roll-off around 50 Hz, and to be mindful not to play your music at very high volume, as it doesn't take much for sound to start penetrating. As for the subwoofer, in your situation, I would forget about it, at least until you've moved into your apartment, and have had a chance to get to know your neighbors, and discuss what you want to do in regards to adding a subwoofer, and to get their reaction.