Is it really worth the extra $80 to build your own tho?
Crossovers are custom designed to match the entire SYSTEM, not just drivers or the desired crossover frequency. A good crossover takes into account the room where the speaker is to be used, the placement of the speaker in that room, the width and geometry of the speaker enclosure, sensitivity differences between drivers, acoustic vs. electrical rolloff slopes, impedance differences, impedance resonance peaks and inductive rise, the drivers' natural rolloff slopes, response abnormalities in the drivers themselves, output equalization, phase differences, driver placement and physical offset of the drivers on the baffle, off axis and on axis response, your own listening preferences, etc. etc. etc. etc.....
As you can see it is quite a complex matter. A good crossover doesn't just use hundreds of components to handle all these issues either. Too many components is not acoustically favorable and may color or distort the sound, so a well designed one may use 4-8 components total to handle everything.
The most important note of emphasis is that the entire unit must be treated as a SYSTEM. You cannot just upgrade to a "better" crossover like many car audio companies sell. The quality of the components do matter but the electrical topology is the most important. A good crossover is good because of the design, not the cost of the parts or number of components, or the size. Also different folks build them differently depending on personal preferences. Although flat response is a general goal, even difference in rolloff slopes can produce slightly different sounds. Attenuation of certain frequencies can affect brightness vs. warmth in sound, etc.
Finally, a good crossover is not necessarily expensive. Crossover components range from cents to hundreds of dollars, but the more expensive components are not necessarily worth it. While going from an iron core inductor to a low gauge air core is a significant improvement, going from a 300VAC poly cap to a 800VAC poly cap will likely exhibit little audible difference. Although more expensive components usually have better quality control and consistency allowing you to better predict response before testing (An LCR meter is handy to tests components before use so you can average out consistency differences). They don't have to cost $80 extra. Generally people tend to spend money on better drivers rather than better components. Off the shelf crossovers may be anywhere from $30-50 with decent components; I can usually build much better crossovers with equal or better components within the same price range. If extra elements are needed, driving up the price, they are usually worth it.
Haha, that turned out to be more than I expected to write. But my honest recommendation is to start doing some reading if you are really interested, then start by building a design done by someone else. Don't try to design your own (yet) and use generic crossovers, since you may end up disappointed. I can help you find good designs that have been built and tested if you are interested. Also start hanging out on DIYaudio and the PE and Madisound forums.
Good luck. And get your wallet ready... //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif
Regarding Cerwin Vega - I have a pair of their older AT-12s. They certainly play loud but the bass isn't all that good considering the size of the woofer. The highs are muddy and the imaging is virtually non-existent. They are a good party speaker but listening to music on them is not very pleasant. One could certainly do better in the same price range going DIY. I haven't heard the new ones yet so I can't comment on them. The classic red surround does look badass though.