ONE MORE LITTLE POINT
I hope I'm not coming across as a bully or a know-it-all, as this forum is open to all voices and opinions. I welcome anybody's experience on par with my own. That said, I want to say something about the idea that crossovers are sonically superior - even at the earphone level - because they "cut down on distortion."
If we were talking about dedicated woofers and dedicated tweeters, I'd hail such a view. If we were talking about large amount of wattage, I'd double-hail it. But as these are wide-range drivers, designed to play high and low, I just don't buy it. What's more, because of the low wattage involved, I just don't see - or hear - what all the fuss is about. My UM3Xs do sound better than my single-driver Audeos, but the most obvious difference was in the HF. The TWFK simply extends higher than the single-driver Phonak PFEs. If you listen to the CIs and listen to the TWFKs separately, you'll hear surprisingly versatile sound out of both, but the TWFK will capture that HF sizzle noticeably better - with or without a crossover. The CI, however, has a noticeably higher output. Unfiltered, it sounds louder at the watts than the TWFK. If, on the other hand, you muffle the CI with a filter, the two balance out quite well. What's more, because a filter lets you mechanically target the HF, you can enhance LF, if that's what you're going for.
But here's the kicker. Even if you argue that the TWFK sounds cleaner with the addition of a crossover (no such crossover is applied to the CI, even though it's supposed to limit itself to the lower range), you have to weigh that argument against the fact that micro-sized caps and resistors - especially the tantalums - have the worst reputation for sonic purity. The use of any cap or resistor adds distortion. There's now war around it. But the tantalums are the worst. Their virtue is their size, not their quality as audio components. If I have to choose between placing these components between me and my music AND using bifurcated filters of different gauges, you can guess which way I'm going to go.