@audio2design --
Unfortunately phusis, your view towards active speakers is simple, just the replacement of passive crossover to active crossover. There is far more possible in terms of active speaker development that cannot be implemented in this piece-wise fashion. Not to mention very few have the tools, knowledge, or space to develop their own crossovers effectively. It is not something that can be done by ear, and done well, requires either a large space for effective gated measurement and/or an anechoic chamber. The goal is not "okay" it is great.
Or maybe you read what I write: simplistically. Do you develop your own active speakers - as a brand, that is? What you point to sounds like a well-known narrative leveled at DIY'ers, that what they're about to embark on can only scratch the surface of what manufacturers can achieve with all of their tools and (self-)proclaimed knowledge. Of course those manufacturers are only trying to protect their business with said (repetitive) narrative, not that I can't understand that, but with the digital tools offered today the individual has far more options into creating the sound of their speakers on their own, and much easier at that. The more they learn the greater it will sound.
I don't like repeating myself, but what you address is all there in my earlier post; I'm not about to neglect the effort and what's there to be learned about setting up a cross-over digitally by oneself, and when you look into the different technical aspects where audiophiles already invest their time, brain capacity and money implementing their own set-ups, it would seem no further stretch to ask of them to look into digital cross-overs as well. It's a freeing process once you get around the technicalities of using a digital XO, and one where you learn about setting up a cross-over with all the parameters that can be involved, digitally. Forums are there to help if you're stuck, maybe someone you know can help - make the jump and try it out.
What do you know about the results my friends and I have achieved setting up our active-as-separates set-ups? Nothing. You would assume "okay" only, and yet the speaker systems I've heard here compare and in many areas exceed most everything else I've heard in vital areas in their reproduction. In other words: these set-ups sound great. No need for anechoic chambers than what our listening rooms offered. Measurements, yes, and lots of trial error and listening countless hours.
Yes, predominantly it can and must be done by ear, and the good thing is it needn't sound great anywhere else than in your very own listening room and to your own ears. Manufacturers need to please many ears, have a business to consider, are fiscally restricted and so on, and you don't think that involves severe compromises? Give me a break.