I defnitely would suggest a hardware crossover. First off because I don't know of any software that acts as a crossover. If there was one you'd need sperate channels for tweeters and mids. If you have four speakers sets of speakers (like in my car) four tweeters and four mid-woofers that's 8 channels. Also if for some reason the software failed or wasn't loaded you could damage some speakers (I know from experience) by sending them the full frequency spectrum.
Now to answer your second question; A sound card can not power speakers. Most headunits have a amp built in that actually drives the speakers. So if you can not use or decide to ditch your headunit you're going to need something to drive the speakers. So that is where an external amp comes into play. As far as sound quality goes a cheap amplifer will sound better than if you'd use a cheap/moderately priced HU to power your speakers. Trying to smush all the sound processing electronics, cd player, etc that a soundcard/computer can do into a HU leaves little space for a amplifers which is why even those with very high-end HUs tend to use seperate amplifiers.



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