I sell the QY100 and the Ketron modules. Yes, the QY100 works with pre-programmed chord templates, but it also works in a three fingered chord played mode when you switch the mode to "fingered" mode and you curser off the preset chord templates and select "user". Now, you can play three fingered chords and just choose a style and a variation within the style you wish to play. Although, the XD3 and the Midjay are easier to use, the QY100 will give your hundreds of additional sounds and arranger styles too.
George Kaye
Kaye's Music Scene
Reseda, California