Chico you put it VERY right, but for some this is hard to understand..... probably.
Tony:
I didn't write I'm not a musician, in fact I try to be one by NOT using SMF's

Using SMF would never 'satisfy' me. Sure you can play live together with a midifile, but the SMF is leading, where it comes to intro, variations, breaks, fill-ins, endings, chords, arrangements and styles.
While using an arranger the musician is free to choose hundreds of styles, eg. we have several songs that can be played with more than 5 different styles. We just pick the right one for the situation.
Fran:
You seem to be telling an SMF user, like you is a musician and has at least the same musical skills as an arranger keyboardist ??..... well I'm truly shocked!
(No smiley)