That is all expected behavior.
If you want to "create a proper bi-amping patch the way many bass rigs are built" nothing is stopping you from doing that after the split (usually a hard left-right panned Split Y, but a Crossover Split can also work - although it seems a bit radical). I mean you would set amps differently and probably choose different amps in a bi-amping situation anyways, wouldn't you? There are some very little DSP demanding amp sims like the Del Sol 300 if needed. https://benvesco.com/store/helix-dsp-allocations/