I wouldnt use a 0 db test tone unless you are listening to extreme heavily bass boosted music.
If you listen to decaf and or other rebassing artists then i'd use a -5 db test tone. If you listen to normal hip hop, i'd use -7 or -8 db test tone. If you listen to mainstream pop and rock i'd use a -10 db test tone. If you listen to spanish music, i'd use a -15db tone. 0db test tones are too strong vs the actual levels of bass in music so if you set gains with that instead, its not gonna translate well into musical performance aka wayy undergained.
I'd have the sub level all the way up, volume up high around before it starts to distort and reset the gains again with a proper test tone. Then when you switch genres lets say from rock to hip hop, you can lower the sub level down to match the music because your sub level is also basically a gain control. Use the rule of, if it stops getting louder, turn the sub level down a few notches and you should be safe from blowing your subs. Use your senses as best judgement from there.
Watch this video and download audacity(its free) if you have time. Enable annotations