Do I dare get in this conversation..lol???
First let me state that you CAN and WILL find many systems utilizing passive crossovers that sound fantastic. Many companies will invest lot's of R&D on particular crossover designs. This is especially true for high-end components. However, the truth of the matter is that these companies provide these crossovers out of necessity and not necessarily because it's the "best" performing design. Speaker manufacturers "need" to provide a crossover with their components or sales will undoubtably plummit! Can you imagine if you were new to car audio and went to a retailer to buy a set of components and the salesman told you that you have to buy TWO amplifers (or at least a 4 ch amp) with on-board xovers just to get the speaks to perform right??? It just doesn't work.
I hate to say it guys, but there's really only "one" (especially in a vehicle) downside to running active over passive, and that's simply the need for more channels of amplification.
A passive crossover has many downsides that should be considered. For instance. The passive "will" rob power from the amplifier. There's no way around it. The very best of designs will inevitably have a lower effect, but it's still there. Keep in mind that the best xovers can be very expensive.
Also, many people are unaware that passives can actually cause your amp to clip faster than active. This is exactly why you may hear so many people say to up the power (by bridging or adding more amps or whatever)! Why do you need more power if xover's don't steal power (which they do

) right??? I'll explain. We all listen to music and not sinewaves right? With music you will obviously have multiple sinewaves simultaneously. Here the high freq waves "ride" on the low freq waves and this will give you higher output voltage than if you were to amplify "just" the low frequency waves or "just" the high freq waves. Remember with a passive xover the filtering is being done "after" amplification and the amp amplifies full badwidth... duh right?? So.. as what has been said before just add more power to increase headroom right?? Well if you need more power for adequate results, the argument for paying for more channels by going active starts to fade

Furthermore, passives are dependent on impedance. Many crossovers are built poorly by using the drivers nominal impedance (4ohm for instance) as a design parameter. A good design should take into account the actuall impedance of the driver/s specifically @ the xover point for best results. Even with these better designs, it cannot be perfect as the driver's impedance will change/ rise as the vc heats up.

OK so I'm not done yet..lol.. Due to capacitive and inductive reactance, damping factor is effected. The amplifier cannot drive the speaker as well as if it were simply connected directly to the voice coil. This effects transient response. Imagine your an amp.

you have to drive a.... um.. ho(speaker)

back and forth. With an active set-up you are holding the ...ho... by the handle and you can stroke that ho back and forth with precision. With a passive set-up, imagine you now have a heavy spring (the passive xover) between you and the ho. As you might imagine, you can still push/pull the ho but it's funky (springy) because of the spring........ I hope that analogy worked.. it's all I could come up with right now
So with an active xover, you have pretty much negated all of the above

Short of needing a couple more amplifier channels you have many benefits. Ok so you could argue that an active would/could induce noise, but with all of the internal xovers in amps and HUs these days it would be minimal (inaudible) in anything of decent quality.
On a side note... Marko: Very nice Utopia xover there. This is certainly a slight exception to most passives out there. If I'm not mistaken, that has the ability to adjust phase at multiple points for each driver. This is far in advance of what most xovers provide even if they do provide some type phase shifting. They are no where near what the Focal provides. Super!
So as I said before, Passive crossovers "can" still sound great! Hell, I competed nationally running passive. But I'm confident, with experience, that active is the way to go. If you can at all tune a system and you have enough adjustment, you will benefit from it!