You're exactly right! I found out through my adventures in "home DIY audio", you can build very high quality x-overs for a fraction of pre-made ones.
Another thing I found out is that if you take the time to fiddle with component values, you can usually make it better sounding than using straight "textbook" crossover component values.
Another thing I found out is that if you take the time to fiddle with component values, you can usually make it better sounding than using straight "textbook" crossover component values.