Here's a link to great site for Christmas MIDI's.
http://www.heavenlywebs.net/midis/christmas/index.htm
The arrangements are pretty good. Most have the Lyrics, just click on the Flower. Copy and Paste Lyrics to Notepad.
Use your Roland Sound Canvas to convert the MIDI's to Wave Files.
Just Created 4 Christmas songs not available on CDG:
1. The Christmas Waltz
2. The Wonderful World of Christmas
3. We Need A Little Christmas
4. Christmas Time
ENJOY!