Sounds-wise/content wise, I completely agree with Glyn.......Kontakt is really fantastic right out of the box (SampleTank & Dim Pro do need some tweaking).
That being said..... and with Kontakt 5 being on sale, an alternate option might be to get K4 for really cheap from someone selling their Kontakt license. I've bought quite a few NI things at the
KVR_Market_Place and had very good experiences in the purchase process (Paypal). Also, I believe K4 has more 3rd party libraries available.