I've read here many times that the crossovers designed for the speaker are best to use. Is active bi amping more useful when you build planning to use it?
A passive crossover will do a good job when it has been designed specifically for the speakers it is connected to.
But it will never be as good as an active crossover which is more precise as the filtering frequency will not change with the changing impedance of a heating voice coil, for instance. The electronic crossover also has the advantage of not reducing an amplifier damping factor, because it does not necessitate an inductor resistance in series with the woofer.
When you are driving a 4 ohm speaker, the amplifier damping factor which is usually rated for an 8 ohm load is reduced by 50%. Add the resistance of the series inductor on top of that, which means more resistance if the crossover frequency of the woofer is below 200 Hz with an amplifier having a low DF, the resulting DF gets really low. Then, the woofer will not give you the right tight bass and punch.
In my situation, I am actively bi-amping the 3 front speakers. I am using Dayton RSS390HF-4 subs in each cabinet and the electronic crossovers are set at 190 Hz. At that frequency, a passive crossover would have required a big series inductor which would have added too much resistance between the amps and the woofers. Also, with a receiver having a power rating of about 180 w/ch at 4 ohms, I wouldn't have much headroom left and risking overloading it.