Tony, you are correct about backward compatibility, however, some really smart folks, particularly Michael Bedesem, wrote a program called MIDI Player II, which allows you to quickly and easily convert most of the newer styles to older formats. Michael has also written several other great programs for Yamaha keyboards and midi file work, all of which are free.
All the best,
Gary

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PSR-S950, TC Helicon Harmony-M, Digitech VR, Samson Q7, Sennheiser E855, Custom Console, and lots of other silly stuff!
K+E=W (Knowledge Plus Experience = Wisdom.)