I am sure it is operator error on my part.
Welcome to these forums.
The BIOS in your XTIDE SD card will be the XTIDE Universal BIOS, typically abbreviated to XUB.
The BIOS in the TexElec Quad-Flop is the Multi-Floppy BIOS.
Getting the XUB and the Multi-Floppy BIOS to 'play nice' together can be problematic, depending on the configuration.
XTIDE assigns that third floppy drive the letter C.
Note that the XUB and the Multi-Floppy BIOS do not assign drive letters. The assignment of drive letters (logical drives) to physical drives is done by DOS.
And therefore, DOS can sometimes impact on things. For example, early versions of DOS assign C: to the third floppy drive. In later DOS versions, the drive letter assigned comes after the hard drive (partition) ones.
When the XUB (and things like CMOS SETUP programs) use "C:", they are being user friendly, but in doing so, are making assumptions about how DOS will behave.
There are other things that have an impact. For example, on the IBM PC (IBM 5150) and IBM XT (IBM 5160) are two motherboard switches which the user sets to indicate the floppy drive count. There are times when, even though there are three floppy drives, that those switches should be set to the 'two' setting.
Is it an IBM 5150 or 5160 that you have ?
If I delete the third floppy drive all is back to normal.
Is 'normal', the XUB boots to the SD card ?
( Verifying that the SD card is in fact in a bootable state. )
I am sure it is operator error on my part.
I remember that about six or so months ago, someone posted a similar post to yours. I will see if I can find that thread.
I have tried different drive letters when the boot menu appears for XTIDE ...
Presumably, that includes you trying the D and E keys.