I agree loudspeakers are the most important part of the system. As far as 50% cash for crossover 50% rest is just crazy. If I followed this 50% rule my loudspeakers would be the worse off for it. A crossover can not make a poor transducer into a great 1. Cabinet transducers and crossovers must all be designed to be a whole. Using crazy costly parts in crossovers is not the best way. Your getting the sound you want but your results are not of as of much use to others as you think. Steens wrong about loudspeaker design sure I use mostly 1st order gental slopes but I have use for stepper cut offs just depends on designs end goal no one way to build a loudspeaker. Sure its harder to design multiway loudspeakers but 3-4 -5 ways can be needed depending on design goals. I also disagree with the horn quote[With a well-constructed horn and a single loudspeaker, much can be achieved concerning experience, but full range and relaxing to listen to, it will never be. But they can be very spellbinding] I have designed constructed full range single driver loudspeakers also full range horn systems these loudspeakers are definatly relaxing to listen too. Well maybe the cap manufacters just dont want you to buy or DIY a loudspeaker without crossovers.