I have one more issue, which is that the MIDI plays thru the Windows Media Player, but it seems to be using default sounds rather than the custom MIDI intstruments in the soundbank.
Which software or which method is correct to play the MIDIs where it will use the sounds in the bank?
In most MIDI players there will be an option to set the sound font, for instance here are instructions for VLC, which uses Fluidsynth (a common synth library).
I found that BANK_SOUNDLIST seems to have the most songs in one place using the same sf2, otherwise you'll have to switch it depending on the song.