Yes

, it is possible to run 2 speakers and a subwoofer with a 4-channel amplifier. You can bridge two channels into one channel (if your amplifier is bridgeable

) and use the bridged channel to drive your subwoofer. Use the other two channels that are left to drive your full-range speakers

. Just make sure that you're not sending high frequency levels to the subwoofer and low frequency levels to the full-range speakers

! This problem can easily be eliminated if your amplifier has the capable crossover network built into it. You may also use seperate crossovers (which are inexpensive and won't "break" your budget

). And the overall sound would be excellent if you follow what I have stated above!
You don't need to match the RMS power output of an amplifier to the exact RMS power handling of the full-range speakers or subwoofers (this is why there's a gain control, just make sure you turn the amplifier down a bit if it has too much power

). But remember, overpowering AND under powering can cause damage to components over time! Using an amplifier that does not supply enough power to the full-range speakers or subwoofers will cause the amplifier to work "overly hard"

, resulting in clipping and poor sound quality!

The watts from the in-dash receiver does not get added to the watts of the amplifier! The only wattage the speakers or subwoofers are going to see are going to be from the amplifier and NOT the in-dash receiver.