Yes you can load multi-sampled instruments into say the Z4, but it won't stream it from the HD, it has to solely reside in the 512 Mb memory. That sounds restrictive compared to all the new libraries being produced for software samplers, but as Lovesign has pointed out, they are constructed differently. Think of the main Akai sample format, S1000/3000, and each sound will generally only be 32 Mb max, since that was the maximum memory at the time. I know S5000/6000 format offers more.
If you are seeing sample libraries that are showing recommended computer specs, I doubt they will work in the Akai, without constructing your own multisampled instruments from the .wav files supplied. If you want to just buy some sounds, load them up and play, you must be looking for Akai format sample libraries. There are still plenty of libraries out there, but fewer titles are being released.
Anyway I still think the hardware sampler has much to offer and I always liked the sound quality from the Yamaha A4000/5000

