It seems my BIOS looks a little different than any of those on your website.
My configuration is a mentioned in the OP without the MicroRAM card.
I guess I could try to create a DOS 5 boot floppy and removed the XT-CF card too.
My switches are set:
SW1: 3-off, 4-off
SW2: 1-on, 2-off, 3-off...