Hi Ian ,
me too.

I had the technical knowledge to know how to multi track record etc but not the musical creativity to produce a finished song.
Hence, I use arranger keyboards.

For precisely the above reason, I probably wouldn't buy another workstation.

If arranger keyboards disappeared off the planet earth today, I'd be more than content using Band in a Box/Real Band. In the last couple of years or so , it's gone ahead in leaps & bounds.
Hadn't realized to what extent until a few months ago when i upgraded my laptop. The audio loops it now uses for some of it's styles ( mainly country , rock & jazz ) make backing tracks sound a lot better than they did when purely midi tracks were used for styles. The majority are still midi styles or a mix of audio & midi. The good part is PG, keeps adding more of these audio styles with each upgrade. They're certainly not free, but I don't mind spending $100 or so a couple of times a year to get an upgraded version of the program , plus a heap of new files.

So, with a synth or keyboard controller plus software synths, I'd get along quite nicely.