You wouldn't really gain any better "signal separation" from the first option, only more flexibility since you would be forced to run active.
That said....if your installation is going to have the tweeter and mid located in the same location (i.e. both in kickpanels), I would say go with option #2. If you are going to be locating them in different areas (say, mids in kicks or doors and tweeters on the A-pillar) I would go for option #1 and run active....the passive xover will be less optimized for that installation scenario and you would benefit greatly from going active.