Hi Bruce,
A Zobel circuit for any driver makes its crossover circuit perform more to 'spec'. Zobels can result in a flat impedance curve, making life easier for an amp, but this does not always happen.
The Zobel circuit for any voice coil is just a capacitor and a resistor placed in parallel with the driver, before any crossover is added. It is there to make that driver's impedance curve appear flat to its crossover parts, so that they work as you would want them to, in terms of 'rate of rolloff' and for your actual -3dB crossover frequency.
To determine the values for its cap and resistor, you can use an inaccurate pocket calculator equation, or you can measure the impedance curve of the driver as you try different values. This takes a sinewave signal generator and a good voltmeter. The driver under test is not in its cabinet nor hooked up to its crossover.
There are likely some internet sources for how to hook up the voltmeter and sinewave generator to measure the impedance of the driver + Zobel at each frequency. You can either plot the values on graph paper or in a spreadsheet, or just write them down.
The value at which that impedance levels off is what you then plug into a crossover-parts calculation as 'your driver's impedance'. Despite how carefully you measure, that impedance will be wrong to some degree.
That error happens because your Zobel circuit was used to flatten what you thought was that driver's electrical impedance, but you've been measuring instead its electrical + mechanical impedance(s). Therefore, you must adjust any Zobel to get what you want.
It would not affect your speakers' 20 Ohm peak because that was created by a higher-order crossover. Your speakers may have Zobel circuits built in to their crossovers, perhaps not visible in a schematic, as they may have been 'wrapped in' with the values of other crossover parts, through 'computer modeling' of that crossover.
If you added Zobel circuits to an existing speaker, most all of its crossover parts would then need to be changed. The end result may lower the impedance presented to an amp, but not enough to be of any concern. The speaker can become easier to drive, since the amp could see a more resistive load at all frequencies (= a less 'reactive' load that stores energy).
But then again, using any high-order crossover circuit in that speaker will more than negate this, because these crossovers make their own impedance curve. Smart designers can add more parts to make the final impedance curve look flat to an amplifier and to a magazine reviewer, but that's an illusion, as a complex crossover still lays between the amp and drivers.
The cost per Zobel is 'not much' and there is no loss of efficiency. No penalty at all comes from using Zobel circuits. Distortion is not increased if you use the best parts you can afford. A Zobel is 'all good'.
Best,
Roy
