You have it correct.
The cabinets will be unfinished MDF if you order the kit with MDF cabinets and assembled crossovers.
The cabinets are unfinished MDF ready for your finish,other than that yes if you wanted to assemble the speakers with them unfinished you could in fact be listing to a pair of HT3 in about 1hr after you unpack them after they arrive.
what you will need to do to have them playing with unfinished MDF cabinets
-mount the crossovers
-pull the wire to the drivers
-seal the wire hole for the midrange area
-place the poly fill were needed
-connect the drivers with push terminals
-mount the drivers with screws
-place ports in and mount with screws (2" ports come assembled as well)
-Pull wires threw to terminal cup and tighten onto the terminal cup with our connectors on the terminal cup then mount terminal cup.
Stand them up and listen.Then if you want to finish the cabinets later, just remove the drivers,ports and terminal cups with screws.
Wow. I didn't know that these options came with your kits . Very nice for the novice.
Thanks
Yes is one reason why our kits cost a little more we want them to be as complete as they can be yet use great value parts.
No soldering and no wood working with these options when you add them in the shopping cart.
Thanks for looking hope this will put some light on the over all process.