I'm concerned about transitioning from the panels to the subs if BOTH are crossed over - I run my 3.7i's full-range and just let the subs "fill-in" where the 3.7s (or ANY dipole) falls short. But, mine are new enough I haven't experienced any rattling. ((IF I did - or do - I would cross them over slowly (maybe 6dB/Octave @ 100Hz, which is -12dB @ 25Hz - a 1000V, 400microF cap will do it) but I'd still use a 24dB/Octave active crossover for the subs. You've GOT TO keep the bass (above 20 or 25Hz) out of the subs - or there's little point in owning planars!))
By the way: good for you in defying the "anti-sub" people. I just read a forum wherein the opinion was stated that "20.7s don't need a sub". I've heard 20.7s several times and, yes, they DO! They probably DO "go down to 20Hz when properly set up", as he claims, but they CAN'T do it with any authority. You can't deny the laws of physics: when the backwave (which is, obviously, out-of-phase with the frontwave) has no isolation from the front, the bulk of the low frequencies rush around the speaker to the rarified air at the back of the speaker, and vice-versa -- they simply follow the path of least resistance. That's why ALL subs (whether $100 or $50,000) are, essentially, dynamic drivers in a box. (My JBL Boombox 3 will play bass louder than my "Maggies"! It isn't very good quality, but it's an impressive quantity.)
I plan to use subs when I get my 30.7s (The plans for the house they will be installed into are awaiting approval from the pencil-pushers) at which point I will play with the crossover - maybe 48dB/Octave @15Hz??!!).
If ANY planar speaker owner has a question about needing a sub, all they need to do is listen to "Stay" by Yellow with and without a sub - you'll never listen without it again!