Jay, one place external crossovers are commonly used is in car stereo systems where the woofers and tweeters may be purchased and mounted separately. Another place they are commonly used is professional sound reinforcement, say between your bass cabinets and horns.
Modern crossovers inside speakers do many jobs, not just sending the treble to the tweeter and the bass to the woofer; they often even out the impedance of each driver, adjust relative outputs, and compensate for the spacing between the drivers and between the drivers and the edge of the cabinet. For these reasons, bi-amping or tri-amping speakers using external crossovers that are not optimized for the drivers in question is rarely done.
The one place external crossovers are still used in home audio is between stereo subs and mains. In such a system, one sets the mains to "large" and then sends the full range left and right stereo to an external stereo crossover which splits the signal into left and right mains and left and right sub. This allows the use of a very high quality crossover (Phil Marchand the JennAir mentioned, for example) to exactly blend subs and mains in expensive systems. This can be carried even further for home theater use (credit card handy?

) by having a dedicated sub for each channel (using an external crossover for each channel) and an additional sub or two for the LFE track alone. If you get to this point please let us know so we can come over and listen
