@jford : currently, for example, my Kontakt is loaded with 2 tiny SF2s (jazz guitar + Jazz flute), the Cinesamples Giant Piano and a Strings section Library; It's the quasi-maximum burden I can afford with BiaB. If realism is the name of the game, you should (I play mostly jazz/latin music) pay attention to these 2 latest voices.
I try to avoid Fx plugins, but unfortunately, some instruments are still unloadable, due to their size...
Mo.