Wouldn't the V Twelve DSP work to grab all the summed channels from the factory amp? Not as clean as optical but its definitely doable.You’re going to need a way to grab signal from the factory HU and send it to the V12. I’m not sure is the PacAmp Pro AP4 CH-41 will work with a 2022 Charger…check Crutchfield. If so, get the toslink adapter and you’re set.
If the AP4 doesn’t work, something like a JL Fix 86 or 82 would work.