Edgar - thanks very much for your response.
In fact, I have learned that a company called "Sonokinetic" makes a virtual ney player, exactly the kind I am looking for. It costs about $65, which is the upper end of what I would be willing to pay.
I contacted the company "Sonokinetic", and was informed that this virtual ney player does not work with GarageBand. It does work with Kontakt, the software you recommended. However, it only works with the full version of Kontakt, which costs $400. This is out of my price range.
Do you have any additional thoughts?