I get by with the present situation, as described above.
But the one problem that is NOT solved this way is that you won't have access to all available factory combis as soon as you have two initialized user banks.
And you are forced to have two (one for EXis, one for HD1-sounds).
So the present system is manageable (with some planning, eventual manual reconfiguring of combis and tools like Michel's), but certainly not perfect or just "ready to go". The Korg team should spend a minute on that before the next OS update.
I personally think that MUCH more than a whole bank could be freed up after having checked all the HD-1 programs in banks I-B to I-G. This is the classical workstation sound museum you find in any workstation: with lots of ancient low-quality sounds which I doubt will be used much nowadays.
The situation reminds me of a certain kind of people who are uncapable of getting rid of old stuff, and keep it in the house or cellar, "just in case". It's big fun the first time they move to another house.
Seriously, for my taste it is becoming embarassing to find hardly useable low quality sounds from the 80s and 90s in big numbers in modern workstations (from Korg, Kurzweil, Roland and Yamaha). I know there are some which still have a meaning to some, but that doesn't count for most of them from my view.
I could EASILY live without 80% of the HD-1 content from Banks I-B to I-G. If Korg had the courage for a cleanup (without any danger: providung this stuff as pcgs and the related mini-samples on SSD), there would be plenty of space for programs, and it would be good to provide some urgent quality updates for sound like Eguitars and perhaps also some other basic stuff on a better quality level (electric bass, some brass section stuff etc.).
This is not in any way meant agressive: I am extremely happy with the Kronos already now. But I am convinced that this is an overdue step to let the Kronos reach present quality standards as a whole.