I think it depends on the level of quality and customization you're going for.
The 3 way is fine. I would be more comfortable with something adjustable, myself.
On the extreme end, if you can have an amp each for high pass and low pass direct to the respective drivers, that's an advantage over passive crossovers, and one where tuning after is more possible and more expressed. By which I mean, you could crank the bass with a much larger differential to the high end without introducing distortion. Or, considerably less, anyway. Whether its possible or worth it depends on your end goal, costs and sanity. A standalone amped sub is also just fine; I'm happy with the one in my current system.
I think it depends on the level of quality and customization you're going for.
The 3 way is fine. I would be more comfortable with something adjustable, myself.
On the extreme end, if you can have an amp each for high pass and low pass direct to the respective drivers, that's an advantage over passive crossovers, and one where tuning after is more possible and more expressed. By which I mean, you could crank the bass with a much larger differential to the high end without introducing distortion. Or, considerably less, anyway. Whether its possible or worth it depends on your end goal, costs and sanity. A standalone amped sub is also just fine; I'm happy with the one in my current system.