"Also, do you find that most rigs with no TCXO (such as the K2), will work OK for the digital modes, including MFSK16 and similar modes that require very close tolerance on frequency stability?"
Both rigs that I have been using for digital modes, both wide and narrow do not have TCXO installed, but they are able to maintain a very tight tolerance (usually less than 20hz) over an extended period. The rigs are Kenwood's, a TS850 and a TS480. The TS850 is out about 20hz on the dial, on all bands, but that is a calibration issue. even with extended operating and heavy duty cycles. with the resulting heat rise, does not affect these rigs. John VE5MU