Opinions on efficient bookshelf speakers 95db?

Duke, as usual, is correct. Crossovers in fact will (almost always) make a pairing of drivers easier to drive than they would be without crossover induced transfer functions. And crossover 'losses' are another often perpetuated myth, .05-.1db loss is irrelevant.

Hoffmans Iron Law is always in effect, it's a Law afterall. Unfortunately many manufacturers take liberties with their claimed sensitivity and bass extension specifications. Not to pick on the Ref 3a which is a nice speaker, but just to illustrate that point - and that Hoffmans is unbreakable - this link shows how a claimed 93db sensitive speakers is in fact only 86.7db sensitive.

http://www.soundstagenetwork.com/index.php?option=com_content&view=article&id=1150:nrc-measurements-reference-3a-mm-de-capo-be&catid=77:loudspeaker-measurements&Itemid=153

Wow that is an incredible difference Vapor! THats what I hate about this hobby, it seems you can't trust anything you read.

"03-12-15: Analogluvr
Wow that is an incredible difference Vapor! THats what I hate about this hobby, it seems you can't trust anything you read."

You don't read audio equipment, you listen to it. Read a book. Works better that way.

BEst to read (and listen) also before you buy but also take all specifications with a grain of salt. Does not necessarily mean they are wrong or inaccurate, just limited, usually in a manner that works to the vendor's benefit to attract more customers.