Bring it wherever you want. It's total bullshit.
It started w/ post #111, where efficiency was introduced to the comparison active/passive. Insertion loss due to passive components (in bass especially) was stated in post #113. Post #118 celebrated 3dB gain in efficiency - mind you, with the same drivers, referring to post #2.
It's a merry-go-round of urban legends, propelled by sloppy problem statements. Would one compare, efficiency wise, a passive driven by one amp to an active having multiple amps? Cost, any consideration?
Yes, a crossover will eat watts. Most have resistors in that attenuate the tweeter by large, especially with the exemplary AsciLab waveguide.
But what's the problem with that?
If the bass is attenuated towards the mids by an inductor - DIY knowledge, will that eat watts? Yes, thermal watts, heat in an A/B-amp, the analog variety. Because ... - deeper engineering knowledge. But until the amp is not overheated, because the "watts" are only demanded on peaks, it is not the thermal power that limits output. Neither is it the current because, maybe general knowledge, there are reserves in the power supply. It's the operating voltage. More so with a D-amp, digital.
I
assumed, that the problem statement with questioning insertion loss is the available max sound pressure level given an amp of finite capabilities.
Again, if you say 'BS', because I compared a passive driven by a single amp with an active driven by multiple amps, alas, you are perfectly right.