Tom, I installed the crossovers last week, without any change to sound quality that I can discern. At any rate, tweets are protected from my punching the jam thansRight. I read the relevant parts of that thread. The guy you quoted (as you said) used the RF woofers which have the crossover built in, and a RF supplied wire to the tweeter. We don't have that currently using stock woofer.
You may never have issues, but your tweeters may get more power that may damage them, depending on if you punching the jam
How I installed mine was to use red T-connectors to connect to the stock wires without cutting off the connector. Connect the crossover to the stock wires, and stuffed everything down inside the door, which fit no problem.