To each his own and I won't keep plugging Ivory

but $179 for a Steinway and $30-40 for the dongle doesn't seem bad considering the quality (and considering the price of the real thing). Keep in mind that Ivory has on board EQ, reverb, the ability to choose the number of velocity layers (to manage memory) and some other effects and tweaks as Dan points out. (It even has some synth doubling, chorusing, and other stuff I never used but that is interesting.)
Just this week-end I was re-doing piano and orchestration for a vocal cut in another studio and Ivory added incredible expressiveness compared to whatever was used originally.
The July Sound on Sound reviews Ivory American D (American Steinway--I have Ivory II Grands with the Gemrna Steinway, Bosendorfer, and Yamaha C7). In the review, there is a sidebar that rounds up all the comparable products from other manufacturers and it is a pretty nice summary of the top contenders.
I promise this is my last post on this thread! (Now, somebody needs to bring up acoustic guitar plug-ins so I can get on my RealGuitar soapbox.)