i have never used active crossovers - if you are a simple enthusiast like me who likes clean, well-reproduced sounds for everyday, and cranks it up when he feels like it, imo a crossover is only optional. they do make a difference for the true audiophiles who either compete in controlled environments or have a very fine ear for adjustment.

as far as great seps on a budget - check out the infinity line also...they have excellent sound for the money