Gary,
I suggest that you try Cool Edit Pro: I have been using it for quite a lot of time and it can record one or more tracks in stereo while listening to ALL the tracks you have previously recorded (the most I have recorded so far are about 18 tracks)
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Korg Kronos 61 and PA3X-Pro76, Roland G-70, BK7-m and Integra 7, Casio PX-5S, Fender Stratocaster with Fralin pickups, Fender Stratocaster with Kinman pickups, vintage Gibson SG standard.