MiniDSP doesn't seem to have a reliability problem based on my personal experience, but that is just me. Sorry that your experience is different. They also have provided me with fantastic customer service, the one unit I had years ago that was flakey was replaced no hassle. Don't know about your experience. Most recently I use a Flex Balanced, Flex Eight, and SHD all providing filters for active speakers, and have been using various MiniDSP for years since I replaced my old analog active crossovers with DSP. I also have an active system set up with a Software crossover in JRiver for a system I am building now, the idea is I want more DSP capabilities than MiniDSP, but it is less straightforward.
From a reliability standpoint, you are trading a single MiniDSP box for a computer + software + drivers + DAC. It would be OK if there were a range of multichannel DACs. Motu is great, and you can get customer service. The Okto is awesome, but customer service is unclear (to be clear, I have not heard a single complaint, and love this device). Topping is good specification, but zero customer service, and zero support from the company and a history of odd reliability and vanishing after-sales support for defective product.
The reality is your computer+software will effectively become the largest source of unreliability and flakiness. JRiver is great, but you do need to become an expert on it's DSP capabilities and interface (don't let the experts fool you into thinking you don't need to be an expert!) You will also likely spend some time cursing the gods after an OS update, etc. And, since I use my computer intensively for things outside of music listening (I test gear, make measurements, and do all sorts of wonky audio science with my computer...) I find I forget it is attached to a speaker with a amplifier driving an expensive compression driver for instance
. So to do this right, you probably need to have a computer that is standalone, with some sort of anti-fumble-fingers measures and an onerous turn-on and shut-down procedure, and doesn't have you or family members playing Spotify, video games, surfing, etc.
And by loading the crossover onto the computer, it becomes the central appliance in your system. There are lots of ways to slice this;
RPi+CamiliaDSP, Windows,LINUX,Apple+DSP, all seem more flakey and potentially unreliable.
Lots of other issues, like hooking up external sources, all content must go through JRiver. I like JRiver, but I struggle to shoehorn all content through it. It does make me happy that my daughter plays her Spotify on my JBL M2.
I think you are trading your MiniDSP issue for a much bigger headache, increased opportunity for rel, complicated connectivity, and more hassle. I'd get a MiniDSP Flex.