So far, I've found this software which permits packet without a TNC.
I appreciate your experience with these, and other, programs.

http://sourceforge.net/projects/hfterm/
http://www.muenster.de/~welp/sb.htm#zvei
http://www.dxsoft.com/truetty.zip
http://www.dxsoft.com
http://www.qsl.net/dxlab
http://radio.linux.org.au
http://www.mixw.net/