Your this description of B&W is quite accurate. I have heard most of the B&W line (save for 800 series) and I am yet to hear a setup which I could call "neutral" or natural sounding. I don't want to list their problems but to sum it up I would say they sounded muddled compared to other brands at the same price point. Here I have to add that I would not attribute their muddiness to the electronics. CDPs from brands like Meridian can't produce muddled sound. Amplifiers such as Denon PMA 2000, Luxman L-550, Marantz PM 88 are plenty resolving for speakers at those price points. So, I can't fault the electronics. Besides on the same setup I tried other speakers and they produced good detail in their respective capacity. Based on my multiple auditions of B&W (yes, like most Indians I was also tempted to own a "B&W") I have concluded that low end B&Ws are just average speakers. You can better them at their respective price points.
Completely Agree with "low end B&Ws are just average speakers" even in that budget (lower B&W) we can get much much better SQ with other brands.
Do you think B&W speakers are made for 2.0 or 2.1 (stereo/audiophiles), I guess NO. B&W speakers are better for HT Fronts. Comments please.