So the choices are ...

coyote Forte/cakewalk tts1 at ~ $40
Ketron SD2 at $400
soundfonts/synths/samplers from online (cost = time + possibly free)

Since I don't want to become a synthesized sound hobbiest, I guess I'll start with the Coyote Forte demo and see how that works for me.

thanks for the help,

Saxmaam