I don't even know if any of the HT mfrs make x-overs. I only know the pro stuff. Behringer (not recommended) at the low end, dBx and Rane (decent) in the middle, and Ashly (very nice) toward the top. I'm pretty sure all these have balanced ins and outs, though, so you'll at least have to do some cable adapting from RCA to 1/4" or XLR. Ideally you'd use a transformer like the Aphex 124A to step up to +4 Bal and back down to -10 RCA.
Now the snag: You want to send one L/R pair out and return 2 pairs. Can the Denon route 2 extra internal paths the way you've done the 1 with Zone2?
As far a disabling the internal passives, that's a good question. Pro speakers don't usually have those jumpers on the outside, and with 1/4" jacks, they can have mechanical switches internally break connections when cables are plugged in. Might want to ring up Klipsch asking about the correct way to do this - I don't want to speculate on how their speakers are wired.