As others have pointed out, drivers can be damaged in a passive speaker, in fact they are more likely to be damaged since active speakers can have output limiters.
The most delicate and irreplaceable part of a speaker is the transducers. If you change a tweeter it's a whole new design. If they break and the manufacturer didn't buy extras, that's it.
I would feel far better about the long term usability of a pair of Genelecs than almost any passive speaker. Or a small producer like sigberg or d+d. One huge advantage of actives is that if the tweeter does break, and the original is unavailable, the designer would be able to supply a new dsp filter set along with the new tweeter. Not many passive speaker designers can send you a new tweeter and a new passive crossover.
I also agree speakers should have grilles, I think they can look really good and their impact on sound can be mitigated.