It looks like you grasp this stuff pretty well. But I might point out that the delay from the crossovers is not some kind of "virtual" or abstract thing. It is a very real property, and is expressed as movement in the time domain. Work is only done when power is applied to the motors. And for power to be presented to the speaker motors, it requires that current be flowing. Reactive components change the rate of change of current flow in a circuit. That's how the delays happen in a crossover, and why there is achange in phase.It isn't so much that there is an abstract concept of time and that capacitors cause a "time warp." But it is that current leads voltage in a capacitor, and that voltage leads current in an inductor. Current and voltage rise at the same rate in a resistor. That's why the delays are described as they are in a reactive device, and the issues that are represented by phase are actual, measurable and identifiable properties in the time domain.