Rick,
I have used Encore with a MIDI setup. I do lots of lead sheets. It's a flexible software program and with a minimum of keyboard skills you can imput your notes, lyrics and chords without much difficulty. I would not recommend Finale because the learning curve is too great. Encore transposes to any key rather easilly. It also transposes your chords as well. The program is user-friendly. I recommend that you do this step-time rather than try to imput in real-time for closer editing. There are other software programs that make nice copy and are user friendly but I haven't used them. Imput by MIDI is the most economical way to go in terms of time as well as money. Sometimes I don't even bother to play it back through the speakers if the score looks accurate.
Frank Hamilton