I have no experience with active crossovers, so I can't comment about any of those devices. I think a good crossover design is independent of whether it is passive or active. Let price determine which way you go. As far as I can tell, people who have active crossovers are always tinkering with them. If the crossover design is good to start with, this should not be necessary.
Compared to building and finishing cabinets, I think building a passive crossover is much easier. As an example for price for passive components, look at the crossovers and parts list for the ER18 MTM.
What I would like in my speakers are firstly dialogue intelligibility, or as TLS puts it, no chestiness, no shout, perhaps keeping the xover away from the critical dialogue passband.
Chestiness, as in a male radio station announcer's voice with too much bass boost, comes from an exagerated midbass in the 70-120 Hz range in a speaker. Keep Qts less than 1.0, preferably at 0.7 or lower, and you'll avoid chestiness. I'm talking about cabinet bass tuning here, and not crossovers.
Shout, if TLS means it the way I understand it, comes from a speaker without baffle step compensation (BSC). This results in an elevated response in the roughly 500-1000 Hz range. BSC is often built into a passive crossover as a separate circuit, but there are several different ways to accomplish this depending on the size of the woofers and the width of the front baffle. BSC also allows a smaller woofer to sound like it has better bass response, but it comes at the expense of lower sensitivity.
If you keep the crossover point at 2500 to 3000 Hz it will be well above the dialog passband, and most primary music tones. But this also comes at the expense of some other things you want. It requires a smaller woofer. A crossover at 2000 can also work well, if it is flat and if careful attention is paid so that woofer and tweeter are not out of phase with eachother within one octave of the crossover point.
Second would be to have excellent dispersion or offaxis response.
Most people think about tweeters when they talk about dispersion and off-axis response. But the off-axis response of a woofer (in a 2-way) just below the crossover point is actually more important. Read this article titled
Choosing the Crossover Frequency. It does a better job explaining this than I can.
There are several other good articles on that
Speakerbuilder.net website. I found them very helpful when I was getting started.
Third would be capable midbass, and I presume that I'd want at least a 7" woofer, if not larger (I do not know if my stated budget would even allow for this).
A 7" woofer will probably do very good for the bass, but crossing it over to a tweeter will have to be done at a lower frequency than for a smaller woofer. This will be more in the portion of the midrange (the human voice passband) where our ears are most sensitive. As an example where this was done successfully, the ER18 MTM uses two 6.5" woofers (for more bass response than with one) crossed over at about 2500 Hz.
Fourth would be having a voicing that is not too far off from the signature of PSB.
Better to aim for a flat frequency response across most of the audio range. The hardest region to achieve this is, of course, where the crossover acts.
Fifth would be to not give up too much sensitivity and/or efficiency from what I presently enjoy (which is currently 91db/2.83/m anechoic).
I wouldn't worry too much about this, that's what big amps are for. 87-88 dB is very useful in my experience. I also wonder just how real that claim of 91 dB sensitivity is. Many manufacturers are known to exaggerate sensitivity ratings.
Are the ER18s the WTG? Would the affordable TriTrix not provide quite the upgrade? (Oh, I'm coming from PSB T55s.) Mini Statements that I think jinjuku was looking at? I don't mind the sound of ribbons, but since I put offaxis dispersion as nearly the highest priority, I think I should stick with domes?
As a guess, the TriTrix may not have drivers of the same quality as the T55. This is only a guess, I've not heard them.
What does WTG mean? If you mean ER18s are the
Ones To Get, I'd have to agree
.
Don't worry so much about the off-axis dispersion smaller ribbon tweeters. It's the woofer's dispersion, or lack of it, below the crossover frequency that generates a speaker's wide dispersion and ability to cast a wide image.