I answered on your other thread (I'm not quite sure why this needed a brand new thread), but I think you need to do a bit more learning before jumping into this.
Simply put, DD/AC3 is just a BAD idea for what you're trying to do. The whole point of doing DSP crossovers and running them via digital out would appear to be to get a 'high quality' solution. You'd be throwing away whatever quality you were attempting to achieve and then some by compressing the audio. Even with the somewhat degraded performance of the Panny analog inputs, you'd be WAY ahead of the game by running 4-channel analog outputs from a decent soundcard into the Panny analog inputs rather than putzing around with realtime compression. Remember, one of the things that got the whole Panny receiver buzz going in the first place was the guy from Newform doing a digital xover using the DCX2496 running into the Panny analog inputs.
Furthermore, in an extension to what Josh said above, a digital xover with BruteFir is not a point-n-shoot solution. You have do to a lot of measuring and spend a lot of time in filter design etc to get decent results. I don't want to be to negative, but given the basic level of the questions you're asking I think it will take you a fair bit of time to come up to speed to the level needed to make that work.
Given that you appear to be very new to this area, I'd suggest one of these options things to get you going:
- just get a Behringer DCX2496. With the price drop it's only $250. Tack on maybe $60 more in adapters/cables, but you have a system that will give you a shot at something that works pretty easily as these things go.
- investigate the KX-project drivers and an Audigy based card. There is a pretty decent crossover plugin that works with these drivers. There is a lot of info on diyaudio on this. You'll end up resampling to 48kHz, but it'll still sound 'decent'.
- similar to the above, look at the xover plugin for Foobar.
If you *really* want to 'stay digital', then the ONLY currently viable option is a soundcard with multiple spdif outputs, running into multiple Panny receivers. The Emu 1820 should get you there if you use Foobar via ASIO, and set up your PatchMix routing properly.
I'll also suggest that the Panny might not even be the best way to try to tackle this problem anymore. I have spend a fair bit of time planning a system around multiple Panny receivers running digitally, and I'm close to bailing out on it. With the various Tripath amps available for incredibly cheap prices, I think a *good* soundcard (eg Emu 1820M) (or even a DCX2496 for that matter) and some Tripath amps is a very viable approach, for about the same price as two Panny receivers.