I agree with Lovin’ on this. The centers we mostly know are glorified bookshelf speakers. If you are lucky, the crossover is optimized for horizontal usage. Not in all cases, though. A 3-way center is great to have, but pretty much guarantees that you can’t tip it upright because of the placement of the mid and tweet, whereas a more traditional MTM layout can usually be repositioned (see Outlaw LCRs as an example).
That said, I wouldn’t want to listen to center channels as my stereo/2-channel system if for no other reason than they don’t usually deliver the output down low to cover the lower frequencies common in music. I’m not saying that 4 and 5” mid-woofers can’t be musical or provide bass, but in most such speakers they will require propping up with a sub. Even ‘flagship’ level standmounts are generally considered needing assistance, especially in a larger room.
Now in terms of where center channels and mains perform their best regarding the avr crossover, I think it’s important to remember that this is more a function of protecting the drivers in your speaker. Propped up with a good sub, sure, it’s not a huge deal unless your speakers are already on the high side. There are different schools of thought on setting that avr xo: I had heard 1 octave above your speaker’s f3, and I think Ed from SVS recommends 1/2 octave above. An 18hz frequency doesn’t just vanish from the signal because of the xo, it is diminished in terms of dB, though. I know this from first hand experience when I ran an 18Hz tone and saw my 7” drivers working even though they are crossed at 80Hz. I had the volume down... and 2 octaves of diminished output, but those drivers were definitely getting the signal!
Consider also the impact this has on the subwoofers performance. The higher you have to set your xo at, the more work that sub needs to do at frequencies where some say localization can be heard. Most agree that between 100 and 120, you can start to detect the sub, others say over 120. A few claim 80 can be detected.
All of this is my late night, just got back from the restaurant and need to blow off steam and adrenaline way of saying you can, but consider the bigger picture. There is a lot more at play than saving money.