Digital Crossovers are wonderful. They are wonderful because they might help to very easy to learn if you are not a Moron ™. I have covered this subject in the threads:

Dream Hi-Eff Speakers for an “inmate” and in Horns and digital crossovers.

Still, people are attracted by faulty simplicity of digital crossovers and try to use this garbage for something more then DJ installations, playing Hava Nagila at Jewish weddings. I offer you a very simple test that would help you to find out about your compliance with …“everything”.

Take any uncompressed good quality file; make a copy of it. Now open one of files via any best processing software you know off and perform ANY actions that require activation of the DSP engine. It might be something even as simple as changing volume for 0.5dB. Now save the file and then undo the DSP effect you applyed (or reverse the change of the original file). Save the file again.

Now you have two files, one of them was exposed to DSP another was not. Play those files via  any D/A converter you consider good enough for your demandsand and confirm that the virgin  (DSP not touched file) is much more interesting. If you come to the opposite conclusion, or if you feel that the files are sound identicle then there are ONLY few possibilities:

1) Your playback is so dull and inflicts so much masking effect that you better stop to fancy yourself that you do a high-end audio. Go to Circuit City, buy yourself a table radio, get life and dump the crap audio that you use currently.

2) You are completely deaf or have no idea what you hear while you are listings. Dump your audio, use your CD in your Car and forget about audio. Start collecting postal stamps or home-cultivate marihuana

I am not kidding there are no other options...