As the original post mentions no automatic accompaniment necessities whatsoever, I am confused why an arranger forum is where the question is asked…

Or is there a possibility that the keyboard may end up doing more than just provide pads and the odd lead?

It is best to plan for the ultimate eventuality otherwise a choice made to cover basic needs will necessitate yet another purchase down the line. But be careful what you ask, and where you ask it! To a hammer, everything looks like a nail!