Hey Phil,
welcome to the forum.
As far as polyphony I've never really had a problem. But honestly I use at most 3 or 4 different TI patches simultaneously in a song. Any more than that and my songs start to get oversaturated. Also note that even though I use 3 or 4 simultaneously, I typically have 8 to 10 patches loaded up. I forget what update included it, but each patch now has an indicator as to how many voices it uses (I believe on a scale of 1 to 5 with 5 being the most).
As far as stability, all I can say is that my ti has been pretty rock solid since the 2.5.x days.
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