No you're quite right in your thinking.
You can (with sufficiently large chokes) have a Chebyshev filter designed to cutoff at 100Hz which will have an insertion loss of >90dB @ 500Hz. That means virtually no noise will pass between the voice port and the DSL.
I think I've worked out WHY you need to have a switch - its CLI. You have to be able to pass CLI info to the phone and that's in the voice band.
So when a ring signal is received you switch filters so that CLI can be passed to the phone. So for example you could switch from your 100Hz filter to a 5kHz filter when the ring signal is received.
Apparently (according to SIN346) +/- 1dB ripple is permissable on the voice signal so Chebyshev would be the filter of choice due to the nice sharp rolloff.
Do note that this is all speculation as to how the XF-1e and FDX100 filters work, although I'm buggered if I can work out what else relays would do in a passive filter
Edit - are there any chunky looking capacitors on the ADSLNation filter and if so what are the markings? There will be one 1.8µF cap for the ring circuit, just curious about the rest.