My thoughts are similar.... for me, most of the piano's I have will work. Most are sampled..... Kontakt and Cakewalk's Steinberg collection for the most part.
On a solo piano and voice song, the piano sample needs to be anywhere from good to top quality. If there are other things in the mix, the piano really doesn't need to shine quite so much. And even on a vox/piano mix, a decent quality sample will work just fine. You don't always need a Carnegie Hall level piano sample.
Depending on the song and the singer and the desired effect you are going for, the piano and even be pretty cruddy and still have a slamming song out of it. Have you listened to some of the music on commercials on TV recently?