I understand you would rather have the crossover in the audio interface. That would definitely be advantageous, I agree. I don't know if there are interfaces out there that provide this.
That being said, I'd just like to push back and ask why you are against loading another program?
If you are concerned about Reapers CPU use, it is almost negligible. On my Hauptwerk computer with a 10-year-old CPU and only two cores (i5-3570k), reaper takes around 5% of CPU. That is with a 4.1 system, all five channels have the butterworth filter as high/lowpass. But most of that CPU use comes just from drawing the audio meters in the user interface! When I close the bottom mixer panel in Reaper, it is down to 1-2% of CPU use.
If you are concerned about latency, my subjective impression is that latency is a little bit higher with Reaper in the mix. But again, these are very small amounts of extra latency that are barely noticable, and do not affect the quality of my playing.