I was actually talking about using subs for the bass modules themselves instead of the woofers. If the sub isn’t a massive, heavy 15”, a pair of those and a nice directivity monitor could probably play high quality stereo indeed. As you said, sub placement would still be relevant. Just another way of accomplishing the same goal.You can cross higher than 80 or 100 Hz but risk potential localization issues. Some of this depends on the location, but other things like high order harmonics can affect it too. The car situation is a pretty unique one.
I have struggled with localization of much higher frequency sounds in a car. While it is all acoustics in the end, unless your home is a glass-walled pod, a typical room is a very different space.