Hello Guitarman:
As a guitarist, too, I've had great luck with the Technics KN6500 to create backing tracks. Forget the harmonizer if you're into vocals. The 6500 is particularly good for swing/jazz/easy-listening styles which is my market. Don't think this would fit your "loud drunks", if that's your primary venue. The on-board speakers are fine; but like others have said, go for a separate amplification system. In my case, I leave the keyboard at home and play along with CD-R's and minidiscs through a stereo PA setup. It works great. If available in your area, I'd recommend checking out several of the arranger keyboards before making a decision.