So overloading a speaker is bad right, frenquency adjustmant has nothing to do with it or does it. I wasn't sure about this. Or would you say there is an allowable overload that speakers can handle. Is this why some speakers have a max power and rms rateing. To compinsate for the orer voltage conditions that may occur from amp output.
In this case some solutions(correct me if I'm wrong) for an over voltage issue would be choose a lower wattage amp or matched rms wattage amp w/same ohm level, switch speaker connection to series vs. parellal, use the correct size speaker wire awg, or install a passive crossover like what you said.