Spider124,
Off-hand, I don't know the sensitivities of the K-105 or K-1038, but I probably can add some clarity to this issue.
First, the way we measure loudspeaker sensitivity is not as you suggest. We measure the speaker at 3 meters, full space, in our anechoic chamber. We measure at 3 meter because this gets into the far field of the loudspeaker. Generally, we use bandlimited pink noise to make the measurement, but in our experience, this isn't always necessary to get an accurate result. The 3 meter measurement is converted to a 1 meter rating using the inverse square law (in other words, add about 9 db). From here we add a 4 dB for "room gain". This is a figure we add that represents the output gained from a typical listening environment. It is an approximation, but it does reflect a more accurate sensitivity measurement of the loudspeaker/room combination. Therefore, this measurement reflects a value that the average consumer "might" measure at one meter in their own listening room.
From this information, if the RF-3 is spec'd at 98 dB, then the spec without "room gain" would be 94. One woofer, as you suggest, would be 6 dB less, or 88 dB. However you must remember that this is with a passive network, and that the raw driver output may be 1 or 2 dB higher. In any case, 89 or 90 dB would be a good figure of merit to use.
The horn sensitivity is much harder to determine. This is because horn loaded tweeters do not have flat pass-band responses. They are resistance controlled devices, and do not play by the same rules as direct radiators. Typically they have a 6 dB/Oct roll-off above the mass break point of the diaphragm, and as a result, one sensitivity figure is hard to establish. This characteristic of horns is taken care of in the design of the passive crossover, but in order to design it properly you have to be able to measure it. This isn't going to be easy in your situation, so I don't know what to tell you.
Lastly, loudspeaker sensitivity and efficiency are only "loosely" associated with one another. They are NOT the same thing. I'm pointing this out because at some points in this thread the two were being clearly confused. For example, at low frequencies, adding a second woofer, in parallel, increases the sensitivity 6 dB, but the efficiency actually only increases by 3 dB. This is because when you place two woofer in parallel, you halve the impedance, and the amplifier delivers twice as much power, or 3 dB. So, the sensitivity at constant voltage would go up 6 dB (2 watts), but the sensitivity at "1 watt" would only increase by 3.
Hope this help.
Kerry