inductance affects highs more then lows. so its not normally a large player for the highpass. the T/S effects that occur from the speaker coupling energy to the mass of the cone and suspension do have a large role. crossovers set to frequencies above the main resonance will not work as intended.
basically the impedance of the speaker undergoes an increase of about 5 to 10 times "near" the frequency where the energy of the cone mass and energy of the suspension naturally transfer to each other. at this point, the coil would create a voltage that is in phase with the output of the amp -- which has the effect of limiting additional energy (and thus impedance is higher).
so the filter, which is dependent on impedance, is affected -- if the filter is set high, then the response will decrease a bit until these "resonance" frequencies are reached, then it will increases (up to +0dB). past this hump it will sharply decrease and eventually the slope will return to -6dB/oct.
as for the 3 wire system. it could be a bi or tri way system with either multiple amps, or a crossover located somewhere else.