Ok, finally managed to get a pattern loaded and then decided I didn't like it anyway.
Conclusion: Considering all the steps involved, all the button pushing involved, and the lack of clear step by step instructions (for example when do you use "enter" and when do you use "execute") I would suggest using what comes in the unit (they are best anyway) and not take a chance loading any others. I can see how some newbies (like me) screw up their machines messing with them.

Gary

ps It seems there are already "user patterns" in each catagory in the A4. Example, if you push the "ballad button" there are a bunch of patterns to use and if you first push the "user" button and then the "ballad button" there is another different bunch and I'm fairly sure the place I purchased from didn't add anything... the box hadn't been opened.