Yep, a Y splitter is simple.
The issue with passive bi-amping (without a crossover) is that both amp channels still provide the same voltage swing, but with twice the power supply you used to have.
With a miniDSP you can do a couple of more advanced things:
- Reduce the load on the mid/treble amplifier
- Reduce the load on the woofer amp
- Fine tune the bass to your room with DSP
- Improve efficiency by removing level adjusting resistors since you can use miniDSP to set the relative mid/treble to woofer levels.
I think the Y splitter is the best place to start, and maybe look into getting into active a little bit at a time. For instance, you could use the miniDSP strictly as an EQ and Y splitter first. When you get more comfortable you can consider bypassing the woofer crossover. :)