If you can afford it get a KB - I have a Polar and miss being able to play it fully without having to use transpose all the time.
Don't worry too much about FL - lots of people produce in there and get crazy results - if you make good songs you will overcome limitations anyway.
I bought a TI Polar and I have never looked back - really love it, learnt a shitload of synthesis that has helped with using VST synths, and getting professional warm tones in a track without really any external fx required.
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