If the stock passive crossover allows bi-amping, you could certainly use it and retain any EQ and voicing that Focal built into the crossover. I don't think this is the case with the 165W as it is a single crossovr for each set of speakers, but I may be wrong. Does the crossover have dual inputs and removable jumpers to seperate the two filters? If not, you cannot use the stock crossovers to bi-amp.
One idea to consider is the relative power consumtion of woofers VS tweeters. A good rule of thumb is 70%/30%, meaning a woofer uses 70% of available power to 30% for the tweeter. The higher you push the crossover point, the less power the tweeter uses. So in a bi-amped system the tweeter amplifier can be much smaller than the woofer or mid amplifier.
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Yes, I believe that the crossover has dual inputs and would work in this type of scenario. Here's the link to the set, including the crossover:
https://www.focal-america.com/catalog/utopia/165w.htm
I'm hoping to optimize my current setup and properly use the four channels to bi-amp. I'm thinking that I'd be better served by directing the power to the components instead of the rear fill. In your opinion, would this work while maintaining sound quality?