Checking M/T polarity of a 2-way speaker without disassembling it

Depends on crossover frequency and filter slopes. You can often hear incorrect phase relationship between drivers by listening up close for a response hole in the midrange and it will sound like the vocals have disappeared. Pink noise is also a very good tool for doing this.

The correct polarity of woofer to tweeter will sound like the midrange comes from in between both drivers, sort of like listening to a mono recording on stereo speakers and having the soundstage dead center (as opposed to the fake 3d imaging you get with one speaker connected out of phase).

There are some situations where you have to listen a bit more carefully from further away. It may not be so obvious and the crossover may be designed to sum properly from a further listening distance or it may employ weird mixtures of filter slopes that won't sum well acoustically. In that case you have to look at messurements and listen very carefully.
 
You can, by measuring impulse response of a loudspeaker, then selecting to calculate step response.
 

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