Very good questions to think about and find your own answers.
I have some subjective answers, and just share few thoughts briefly.
I respect Crinacle, and that was one of the reason to get Dioko, I learned from it a lot, and started to appreciate it more and more from my original less resonating impressions.
I did not know CRA rating. I just bought one, and then few more.
All are blind purchases here, even before COVID. Even if you can test - I am convinced that one needs few days to properly test the IEM - tips, source, plus some time to appreciate the signature.
So I just have $150 limit.
I stopped using reviewers' recommendations long ago, my worst purchases were done using reviews, given a lot of shameless promotions of free samples ot just different biases and preferences.
On the contrary, AS16 (original) are the one of the best IEMs for me that I regret getting later because of reviewers (I am not disagreeing with those reviews, just for my preferences, AS16 happened to be one of the best at the time).
For the curves - sure, one can build a sophisticated multiple crossover, analogous to 25+ band DSP to attenuate response at all frequencies to the desired target perfectly (source impedance will also need to be controlled as a part of the circuitry).
In a combination with a poor single DD - this crossover would lead to failed technicalities. That is why crossovers are not built for single drivers, but some filters are typically used to trim the frequency response.
This crossover will be obviously better, but far from perfect, with a good DD, and even better with planars.
Then I am biased to multi-BA design being closer to ideal (most flexible and high on technicalities). BAs are light and responsive transducers though they are limited in their best response to 2-3 octaves, so many are needed and properly "stitching" them requires good engineering.
i would addgood piezo rather than EST on the top end, if needed. Piezo drivers are significantly underexplored and underutilized, IMHO.
Good bass BAs do exist - they are larger and quite expensive.
I could personally trust DD only for sub-65 Hz frequencies, not higher!
Having said it all, I would not chase any "TOTLs", it is just totally futile, in my opinion
Look at all the threads with whining about killobuck IEMs - just more expensive toys and the same imperfect humans, some of whom may sell their kidneys for their hobbies...
Many sub-$20 perfectly do for me to enjoy the music, so my multiple IEMs are just a consequence of attempts
on shopping therapy exacerbated by hoarding tendencies