instruments sound too "soft" stock Windows Wavetable Synth (SC-55 generic clone) is the one that sounds the best to me you can use scc1t2 soundfont for that classic Win98 sound (the file is 3.1 Megabytes in size)
WOAH I can't believe how similar my Yamaha Portatone 280 sounded like this device!! Ugh, Onestop....some of the midi's where just full of atmosphere...it sucked so much when Vista and Win 7 turned out not to have drivers for my SoundBlaster 5.1 Live! Digital (Which I used to play back midi's to the keyboard).
It's actually not as big as it seems on camera. Also midi hardware has some nice perks and better sound quality that software or Soundblasters at the time could never recreate. Its a nice relic of the past that still can be incredibly useful, especially if you make music.