Scott,
Don't confuse between chord recognition for arranger and Jazz Harmonization. In your reasoning, the behaviour on Home organ is not like this, if the bass recognition mechanism is "on".
I played several instruments for over 30 years. I will not buy other arranger only for the integration of feature for Jazz Chord recognition because you can do it in other way. IMO, it's just a plus and not more compare to the quality of Keyboard, sounds, arrrangement, Voice Processor... The simplified Jazz chord recognition is really in background problem, simply because we can play in other way(s...s....s).
Perhaps, it makes more time to change the way you will play on new keyboard. I think that this will take less than 1 day work.
I agree that on Piano, you need to do this because it sounds better, but must not do it systematically too (E-Bb-D). In some case, I will play F-Bb-D, so...
For someone who want to learn more about Jazz Harmonization, there is many books on this. One of the reference is from "Marc Levine".