Rog
I would agree that to buy Universal for $500 would be a stretch, however, two years ago I bought Styleworks XT for my Korg(now gone). Klause will let me upgrade to Universal for $150 Euros. Since the Korg version is dead money, I think it is a no brainer to get Universal for these or any keyboard in the future. Is it cost effective; yes,because I have hundreds of styles better than KN factory styles I want, rather than buy more.
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pa4X 76 ,SX900, Audya 76,Yamaha S970 , vArranger, Hammond SK1, Ketron SD40, Centerpoint Space Station, Bose compact