1) It is not the player's call to judge whether the subs are being "throttled". That's the sound tech's domain exclusively. And it typically varies on a case-by-case basis.
2) You are 100% correct in your point about wasted amp power and helping the sub work more efficiently. Stepping outside the topic of highpassed DI's for a moment, into a more general discussion of sub best practices, what you miss is the danger of a sub operating below its safe range at the volumes it's typically used at. I worked at one place where all the facility's sub drivers had to be replaced because of neglect on the part of the installers combined with sloppy work on the part of the operators. The bands' channels were high-passed, but the recorded intro music (on a different mixer channel) was not. The subs at this site are flown. As soon as you get into flown speaker system repair, you enter a complex and very expensive hellhole of lifts (not ladders), crews (not single workers), and OSHA regulations. With flown systems the cost of the replacement drivers typically winds up being only a tiny fraction of the total bill. At this particular site, it would've been wise for the installer to "hard code" a steep HPF into the post-mixer signal chain and make that setting inaccessible. That would've erected a barrier against human delinquency and saved thousands of dollars. But it was never done.