I'm so glad you'll take the time to help me, no need to apologize.
Here's the setup, as best my admittedly cursory understanding allows. MIDI output from keyboard goes to MIDI input connector on audiophile card. BIAB takes midi input from card and does some magic I don't understand that turns it into digital audio using the coyote synth. BAIB combines that digital audio with the digital audio from the backing track that's playing, and sends it all to the S/PDIF software device on the card. The card then does a D/A conversion and sends it out the audio output jacks and to my stereo.

So the way I use this is to enter chords into BAIB, pick a style and play it while I'm playing my keyboard. I use the THRU channel in BIAB for my keyboard.