Is there any way to use combis rather than just programs banks on the X3 when sequencing various tracks? Thanx for the info.

In practical terms, NO. An easy way to get around it is to sequence the part with the combi you want, edit and tweak it, and then record that track as a stereo .wav. You would need Cakewalk, Cubase, etc. to do this. Another trick is to lay down your basic sequence tracks (bass, drums, etc.) record them as a stereo .wav file. Then you can sequence your combis, record them as .wav...sure, nothing is perfect but at least you get to use BANK A programs and combis.