Thanks to everyone. This issue is resolved. (Note to jatoth: Insmaker says it does not support the JV1080 or the Kurzweil PC2R. Well, actually, it lists the synths it does support and says it will not work with any others. Thanks, though.)
Here's the drill:
1. Create a ins file.
2. INS file must have a section called .Patch Names and one called .Instrument.
3. Under .Patch, you list the MIDI program numbers and the patch names (see below).
4. Under .Instrument you list the synth banks (see below).
5. Then, all you have to do is import this into Sonar and then assign the imported instrument to one or more MIDI ports/channels.
6. I ran into trouble in two spots:
• It was not clear to me in the sample files I saw that you defined the bank numbers within the INS file.
• The JV-1080 expansion card has patches that go up to 255, but an event list can only go up t0o 127, so the INS file has to have a translation like this:
[JV-1080 XP-D Bass & Drums 129-204]
0=129:Fat Rock KIT
1=130:Ringer KIT
2=131:DynaPicc.KIT
3=132:Whammer KIT
4=133:BigBalladKIT
5=134:Fat PunchKIT
6=135:Fat Funk KIT
I will send the JV1080 file to anyone who wants it. Of course, it has my particular expansion cards, but it may help you create a file for your synth.
Note that I searched online for pdfs with patch names for my synths, pasted those into Excel, and then wrote simple little formulas to put them into the required format as shown below. If you synth just needs simple numbers with no translation (like "0=Piano" instead of "0=001:Piano") and your banks only go up to 127, you should be able to paste directly into the ins file with no manipulation.
For the record, you guys all gave me great advice; unfortunately, there were just little pieces specific to my situation I had to figure out. Thanks!
***Examples of Patch and Instrument Sections***
.Patch Names
[JV-1080 PR-A]
0=001:64voicePiano
1=002:Bright Piano
2=003:Classique
3=004:Nice Piano
4=005:Piano Thang
5=006:Power Grand
6=007:House Piano
7=008:E.Grand
8=009:MIDIed Grand
9=010:Piano Blend
10=011:West Coast
11=012:PianoStrings
12=013:Bs/Pno+Brs
etc.
.Instrument Definitions
[Roland JV-1080:Patch]
Patch[10368]=JV-1080 PR-A
Patch[10369]=JV-1080 PR-B
Patch[10370]=JV-1080 PR-C
Patch[10371]=JV-1080 PR-D/GM
Patch[10752]=JV-1080 XP-A Orch I 1-128
Patch[10753]=JV-1080 XP-A Orch I 129-255
Patch[10754]=JV-1080 XP-B Pop 1-128
Patch[10755]=JV-1080 XP-B Pop 129-145
Patch[10756]=JV-1080 XP-C Orch II 1-128
Patch[10757]=JV-1080 XP-C Orch II 129-256
Patch[10758]=JV-1080 XP-D Bass & Drums 1-128
Patch[10759]=JV-1080 XP-D Bass & Drums 129-204
Patch[10240]=JV-1080 User
Patch
=1..128
Note that I don't know what that last line (Patch=1..128) is for, but it was in all the samples and doesn't seem to hurt anything.