Thanks for the input so far!
Yeah, that's exactly where I am sitting right now. (I think

) What I saw and heard for the X7 was awesome in the store. It wasn't till I got home with it that I realized that there were no "full featured auto-accompaniment arranger features" (thanks for those words Scottyee!)
I really like the piano sound - better than any other keyboard I can afford. And I will also use the keyboard as a personal 'piano'. I just don't know it I want to build accompaniment from scratch.
It would be great if Roland would at least provide downloadable accompaniments to add to/upgrade/update the X7. NOt sure if that's possible.
I've got through tomorrow to make any decisions for an exchange. Not even sure if the arranger series is available where I bought the X7.