Marc.
bonjour.
re coyote. its not an either OR an or decision you need to make.
even if you set coyote as default.
in either a reaps midi track OR a ptraks midi trak you should be able to load in a vst instrument plug in, if you wish.
there is a world of wonderfull free midi instrument plug ins out there.
from the zillions available , before i use in a song i make sure i look at the exe size as well as run a test on how well the plug in operates. i only use low cpu use plug ins. some can be real cpu hogs.
and some lean and sound great.

i would urge you to check out in particular 2 sources i like for plug ins.
1. computer music mag plug ins. (you must know this being from the uk.) once a year i buy the mag to get the 80 free plug ins which include some great instruments..
https://www.youtube.com/watch?v=-Tj5gzacq_U
2. kvraudio plug ins.
https://www.kvraudio.com/plugins/the-newest-plugins
plus you can do your own web searches. for example lets say you want a strad violin sound. just do a web search on free strad vsti plug in.

best
i'm plugged in old muso lol.

my songs....mixed for good earbuds...(fyi..my vocs on all songs..)
https://soundcloud.com/alfsongs
(90 songs created useing bb/rb)
(lots of tips of mine in pg tips forum.)