Don,
I guess that my question to anyone who wants to use an external crossover for a loudspeaker that is not designed for an external crossover is "Why???" As you've already noted, the crossover points on the bass and midrange is more than an octave apart. Actually this is incorrect as the "crossover" point is where the bass crossovers to the midrange. I am guessing that what you are saying is that the -3dB point on the filters is an octave apart.
Unless the acoustic output of the drivers that you are integrating are absolutely flat across the passband, an active crossover that is absolutely flat plus a real-world driver would not result in a flat output frequency response. Then you have edge effects, phase effects because the drivers are not coincident, etc. etc.
Just a week ago, I had the dubious pleasure of hearing one of the most absolutely horrible loudspeakers I have ever heard in my life - a Genesis 1 because the owner tri-amped it with external crossovers, added supertweeters, and removing the servo-feedback on the woofers. Just because the crossover is "perfect" and the amplifiers is "perfect" (over $1,000,000 in electronics) does not mean that the resulting sonic output would be perfect. A loudspeaker is a transducer after all.
Your Maggies would be the same. Even if the electronic crossover summed up flat, or you have gain controls on each passband, it's a LOT of work to get it sounding right.
Hmmm... Gary, you might not have followed my ruminations about my sordid past.
My Magnepans are designed to be bi-amped; they have an external crossover to make it easy to replace with active, and in fact I have seen them bi-amped by Magnepan and ARC (who used to have a close relationship with Magnepan, to the point of reselling them at one time) at various venues over the years. They did it, why can't I?
In the past, I bi-amped mine with very good results. Note the drivers are coincident as they are flat panels (planar speakers, dynamic instead of electrostatic, but the idea is the same). The panels are fairly forgiving (because they are both fairly wideband and have a nearly constant, resistive impedance) so it was not too hard to dial it in (bearing in mind I do have measurement capability; it was not by ear). Mine is a special case, yes, and normally I agree with you. I have heard endless systems bi-amped (actively, don't get me started on "passive" bi-amping) that have sounded great, horrible, and everything in-between. A lot of professional sound reinforcement systems are bi-amped, very few consumer systems. I have done both in the past. Yes, care (and equipment) is needed to do it right, but in my case I am confident I can do so. And perhaps deluded...
I think I got the crossover (ok, -3 dB points of the filters, you are right) frequencies wrong after doing a little more research (had the wrong model, or perhaps a mish-mash of models, in mind) -- they are not quite that far apart. However, Maggies in general do have asymmetric transfer functions, with a rapid roll-off on the high end of the bass panel, and slower on the lower end of the midrange. This is to keep the upper bass and lower midrange "fast" (per Magnepan, when I asked ages ago) as the bass panel's heavier wires and thicker panel did not respond as quickly.
To answer your last question first, the "why" back then was because many folk, myself included, used a fairly low-wattage tube amp that would not play terribly loud (though loud enough) and more importantly provided relatively poor control of the bass panel due to low damping factor (high output impedance). I (among others) choose to keep my beloved tubes (ARC D79) and searched long to find a compatible but bass-friendly bottom amp (Counterpoint SA-220). The combination, with an active crossover dialed in, was fantastic (in my somewhat biased opinion). The impulse response, distortion, and frequency response were all significantly better by my measurements, and the sound improvement was also quite noticeable (blind or not, and yes I did both back then, ca. late 80's). The top end was little changed sonically; measurements showed less distortion with the D79 relieved of bass but in the real world I am not sure I actually heard a difference. However, the bass was much better, audibly tighter and deeper with that big Counterpoint driving the bass panels.
Today, with my D79 in new hands, the SA-220 in its box and unlikely to come out, and a new SS amp in the system, I actually have little need to bi-amp. It is more out of curiosity, and perhaps a childlike longing to set up my system of yore. I do not expect anything significant this time around; I am curious how much improvement in bass can be had by eliminating the passive crossover, but it is just that, curiosity -- I do not expect audible improvements. I would be happy to be proven wrong, of course.
However, bi-amping is not my first goal...
One point not clear in all this is that my quest began, and may well end, with the desire to roll off the bottom end of my Maggies. Like any speaker, they distort more when driven beneath their low-end cutoff, and my present system uses them full-range with a pair of subwoofers in parallel. (To forestall the next objection, I have explained the technical "why" elsewhere, and I like it that way.) My current goal is to provide a HPF around 50 Hz or so to the amp driving my Maggies. A passive would be the easiest way, but is less flexible and would take some time to tweak in since it depends upon the load. An active would be easier to fit in, offers the flexibility to play, and the promise of future bi-amping if I decide to try that again.
Does that help? Sorry for all the ink, but I'm too lazy to edit it down! - Don