>Could the following be another reason the cross-over is placed in the speaker?
It's placed in the speaker because the output transformers and vacuum tubes which go into amplifiers are expensive and the speakers which play loud with single ended triode amps don't need the extra headroom in a home environment.
Without output transformers and tubes it's more a matter of tradition, marketing, and inertia.
If you're concerned about how accurate the transfer function is, the active solution is a lot better because the filters operate into purely resistive loads which don't change with output level (thermal compression) or driver position (Things like voice coil inductance actually vary).
It's placed in the speaker because the output transformers and vacuum tubes which go into amplifiers are expensive and the speakers which play loud with single ended triode amps don't need the extra headroom in a home environment.
Without output transformers and tubes it's more a matter of tradition, marketing, and inertia.
If you're concerned about how accurate the transfer function is, the active solution is a lot better because the filters operate into purely resistive loads which don't change with output level (thermal compression) or driver position (Things like voice coil inductance actually vary).