Finally figured out how banks of patches works with my soundblaster card and how Cakewalk needs to be informed about them. Too tired to talk about them tonight, but suffice it to say that the SBLive card seemed to support 128 BANKS of 128 PATCHES. The stock 4mb SoundFont bank standard midi patches seems to take up a number of bank slots. I don't know why. The card can hold up to 10MB of banks/patches.
Now I can load up all those banks I've found on the internet and actually USE them. Cool.