Rick, I tried to send a reply earlier, but the system ate my post when I hit the submit button!

How do you create your chord backup on your 220? I have a PSR 225, which, using the Yamaha site, seems to compare closely to the 220. I have to admit I haven't tried recording a chord track, but, if you're using the User Song method, the instructions for the 225 seem almost identical to the 220. I bought my 225 a few months ago on eBay and, at the time, there were several available. I lucked into a brand new keyboard for $52, including shipping. I don't see any on there right now, but it would be worth checking periodically.

As for software, John in Brisbane clued me in to a package called 'SuperJam' a couple years ago and it's fantastic! You can quickly create a chord track in a myriad of style and mood combinations, change the instrumentation for the style and even change the relative volume of any instrument. Admittedly, it's still a MIDI band when you're done, but I find it an improvement over the static styles available on the keyboard. Apparently SuperJam was a Win 3.1 program that got orphaned when its creator either went belly-up or was absorbed into a conglomerate. If you'd like to try it, I'd be happy to send you a copy.