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1. Crossover basically only allow a certain ferquency range to pass through to your speakers. For example you would want crossover that only allow low frequency to pass through for your subs. You do not need them with subs but it will sound better.
2. Yes you will need an amp. Head units do not put out enough to push on 12 much less two. So your best bet is to buy an amp with a crossover already built in. I am assumeing with out looking at your head unit that the SUB OUT you mention is a there to control the sub.
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