Thanks for the advice. After looking around some more, I picked up a Yamaha MM6 on Saturday. It came with Cubase LE which will work fine for now, plus had midi + usb. It's going to work just fine for my needs.
Yep, that's the same 'beginner' setup I have! I bought mine in November.
One thing I'd really like to see in keyboards... volume knobs for the split and patterns. I don't know if this same problem happens in other keyboards but in mine a lot of times the drum patterns are too loud for my chords/melody. Or, the split is too soft. Whatever, I have to go into the Utility and reset them. That gets kind of annoying.
On the good side with the MM6 the attack, cutoff & resonance are easily accessible. No buttons & menus to edit.
I'm adding an Alesis Micron to my setup in a few weeks. hoping I can hook the MM6 into the Micron and get the radical effects!