I'd like to know how a novice would go about getting a flat anechoic frequency response, which is critical, without a peak or especially a dip around the crossover region. And how do you know it's flat?
The same can be said for both passive and active crossovers. RTAs and/or some means of measurement are really the only ways to know.
At least with active you can change on the fly when you do know you have a peak or dip around the crossover point. Passives aren't as forgiving.
Being car audio, we're stuck in a guessing game. You make the best judgment call you can, and you go from there.
In the defense of passive crossovers, they are simpler to use by far. But they are harder to tune. A novice doesn't need to know anything other than how to hook up some wiring. It doesn't mean that they'll automatically have a flat response at the crossover point. No matter how much R&D goes into a passive crossover, no company can boast that their passive will yield a flat response at the crossover point in both a kick panel mounted mid, and a door mounted mid severely off-axis. Well, they can boast it, but they're lying.
By the time somebody is familiar with the term "active" they're not too far from understanding how it works, if it's spelled out to them simply. That's my goal, keep it as simple as possible.
You really need to know what you're buying when you get a passive component set.
For example, two high end component sets, the CDT ES set, and the comparably priced DLS Iridium.
The CDT, great top end extension on the mid, a little less midbass output, but better off-axis response on the mid. Allows for a bit higher of a crossover point, and therefore can handle a bit more power due to the tweeter not being ran to it's limits. The downfall though, is in a door, the high crossover point doesn't lend itself well to a flat response in the crossover region. The ES crossover is around 3800 hz. I wouldn't hesitate to use this set in a kickpanel setup. Even a kickpanel setup a bit off-axis would be okay. One huge benefit of this setup is that vocals will be mostly isolated to just one driver. In a 2-way setup, this is very nice as vocals are very hard to get right with a passive crossover when the crossover point is right in upper range of most vocal responses.
The DLS on the other hand is built for doors. Low crossover point lends itself to better "overall" off-axis response because the tweeter is taking over midrange duty earlier. With this setup tuning will be bit more difficult out of the box than the CDT in kicks. You'll get a clearer upper midrange than the CDTs in a door configuration, but once again your crossover point will be in the vocal range. While you could use these in kicks, they're more designed for doors.
So, while both sets will work in both configurations, one will be more suited to the one or the other. It all depends on what you're willing to do.