toucher,

Make sure you are sending the right midi channel number to sfz and also make sure you have a patch selected from the font that you've loaded. Your description of fluidsynth's purpose is the same as sfz.

The nice thing about sfz over older hardware synths on some Creative cards is that it only dynamically loads the fonts when you need them; not every time you boot - which was true for the SBLive cards from Creative.