If you plan on running two amps anyway just get a 4 channel to run both the front and back speakers and get either a mono amp for the sub, you might want to think about this though, if you get say a 2 channel amp for the sub then you can bridge it to run the sub or for future use if you had a 2 channel amp you could use it for something else. Not much price difference in between a mono amp and a two channel(speaking of same brandname). You will also have better sound control using this setup, you want to try and balance the sound the same way you would without an amp, I dont know about you but I always run the rear speakers just a little bit louder than the fronts.
In my daily driver I only have a head unit for my mids and highs, I replaced the stock with a high end speaker though and that makes a lot of difference, I have a 2 channel amp on my two tens(I ran 1 channel per subs just because I like it that way). I have a little over a $1200 in this setup in just the cd, one 2 channel amp, 2 10" speakers, and 4 replcaement speakers, I also built my own box which save about $200.
Also make sure that there is a good crossover built into the amp or you will need to get one of those to control the frequency going to your speakers.
You can spend a lot of money on this stereo stuff before you know it, what I mean to say is that if you want a good sound you dont have to spend a fortune if you spend it right, on the other hand if you plan on going competition with it then you better have some really deep pockets, a lot of your competitors dont even own there stuff, it is more like a demo from there local sound shop that they are advertising for.
Sorry for the long post but hope that it helps you.