In contrast to your musings I would say frankly that even a ready made speaker, be it studio grade top material or some sluggish high-end rip-off, needs the DSP. At least for room correction in bass. Once one has it, why not use in DIY, mandatory?Thanks! Yeah I kinda half forgot about MiniDSP.
The entry point where (knowledgible!!) DIY would superseed commercial product may be seen at, say 5k/pr or so. On the commercial side you'll have the best of the best Genelec, Neuman etc, or KEF R7 for instance and uncountable misses in fancy veneer over smelly fish.
To superseed Genelec in general for instance will be virtually impossible, though LOL, you would be left to build a pair of subs/lowbass as to supplement the next smaller model as to save like 1k.
Special interest, sentimentalities, that's where I see DIY today. Or in the field of superficial 'high-end' as you mentioned it with naming the infamous all so important 'Scan Speak tweeter'. Same performance: Peerless for 24$/pc.