@ozzy62 --
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If your speakers are generally of the full range variety, no need to add an additional electronic crossover to the mix. KISS applies here, less electronic artifacts, the better.
It depends on the specific set-up and quality of the digital cross-over (which needn’t be expensive per se); where well-chosen it can, potentially, lead to an even better outcome with the main speakers high-passed. For this to have the best effect (i.e.: a HP on the mains) it seems generally accepted that a cross-over no lower than ~80Hz leads to the best outcome in taking advantage of relieving the mains (+ their amp(s)) from the central to lower bass, leading to 6-10dB more headroom and a likely cleaner, more effortless reproduction (with 2-way main speakers the benefits of a HP may be even more pronounced as this more obviously affects midrange cleanliness).
Such an approach however may call for added attention in regards to subs placement being in symmetry with the mains, as directivity will have a bigger say with a chosen, higher XO-frequency. Theory may dictate it’s difficult to nigh on impossible to localize bass even with a XO up to 100Hz or a bit higher to the mains, but when practically experimented with I’ve found placing a pair of subs symmetrical to the mains is very beneficial, even when crossed into the 70’s.
This type of set-up with two symmetrically placed subs would still be compatible as a future DBA, as additional subs could be crossed lower and placed more freely to best take advantage of smoothing out room modes, or where ever interior decoration may dictate them to be placed. In fact that’s what I may intend at a future point, adding to my existing two subs.
For all its apparent prowess a DBA set-up as configured with the mains run full-range doesn’t take advantage of the potential gains to be had with a HP on the mains and a higher XO here. Added component complexity in the form of a quality digital XO - while justified, to my ears, run in the signal chain over passive speakers - mayn’t be so in every case; my set-up is fully active via separate components, and as such the digital cross-over used is, by necessity, in the signal chain to begin with acting as the XO (without ANY passive filter components) for both the mains and subs, and so a high-pass on the mains isn’t adding more physical components, but simply an extra high-pass digitally.