Up until recently, the best overall loudspeaker I have owned were a pair of Eclipse TD712z Mk Is. They use one very special driver in a very special enclosure. No crossover. Direct connection to the music. They are surprisingly good at moderate levels and lack only a small amount of high treble and deep bass. The imaging and soundstage are amazingly accurate—sometimes too much so. I owned five-way, four-way, three-way, and two-way speakers that only did one thing better than the TD712s. But my latest speaker is a three-way with four drivers. It is a very, very good three-way, the TAD Evolution One. It is better than any speaker I have owned and on par with many other configurations of loudspeaker.
My conclusion: The number of drivers and crossover design is less important than their execution in the speaker.