this IS my actual memory setting

Config.Sys

SWITCHES=/F /E
DOS=HIGH,UMB,noAUTO
FILEShigh=255
FILES=255
BUFFERShigh=99,8
BUFFERS=99,8
LASTDRIVE=k
FCBShigh=1,0
FCBS=1,0
STACKShigh=0,0
STACKS=0,0
DEVICE=C:\OS\HIMEM.SYS /numhandles=128 /hmain=64 /TESTMEM:OFF /Q
DEVICE=C:\dos\EMM386.EXE RAM NOTR
SET PATH=C:\OS;C:\OS\COMMAND;c:\vc;C:\DOS
SET BLASTER=A220 I5 D1
SET CTSYN=C:\OS
DEVICEhigh=C:\DOS\QCDROM.SYS /D:AADVARK
rem SHELL=C:\COMMAND.COM C:\ /E:1280 /L:160 /U:160 /P /F
ACCDATE=C- D- E- F-
DEVICEhigh=C:\OS\SETVER.EXE
DEVICEhigh=C:\OS\IFSHLP.SYS
devicehigh=C:\OS\COMMAND\DISPLAY.SYS con=(ega,,1)
Country=421,852,C:\OS\COMMAND\country.sys

Autoexec.bat
@echo off
cls
@CTTY NUL
LFNFOR ON
rem set windir=c:\os
rem set winbootdir=c:\os
mode con codepage prepare=((852) C:\OS\COMMAND\ega.cpi)
mode con codepage select=852
lh keyb sl,,C:\OS\COMMAND\keybrd2.sys
rem c:\dos\xmsdsk\xmsdsk.exe 513732 K: /c1 /t /y
c:\dos\xmsdsk\xmsdsk.exe 524288 K: /c1 /t /y
C:\OS\COMMAND\label K: scorpion
lh C:\dos\blaster\sbeinit.com
c:\dos\shsucdx.com /d:AADVARK /Q /l:f
rem c:\dos\cmouse\ctmouse.exe
rem lh c:\dos\lsl
rem c:\dos\e1000odi
rem c:\dos\e1000pkt 0x60
rem c:\dos\ipxodi.com /a
rem lh vc
rem c:\umbpci\fastvid\fastvid.exe 111 -128 d0000000
c:\dos\umbpci\umbfill.com
CTTY CON
SET PATH=%PATH%;C:\PROGRA~1\ATITEC~1\ATICON~1


[386Enh]
ebios=*ebios
woafont=dosapp.fon
mouse=*vmouse, msmouse.vxd
device=*dynapage
device=*vcd
device=*vpd
device=*int13
keyboard=*vkd
display=*vdd,*vflatd
MaxPhysPage=40000
ConservativeSwapfileUsage=0
MinSPs=16
DMABufferSize=64
PagingDrive=K:
MinPagingFileSize=523264
MaxPagingFileSize=523264


before i have these lines changed

THESE SETTINGS ARE WRONG:
autoexec
c:\dos\xmsdsk\xmsdsk.exe 513732 K: /c1 /t /y

system.ini
; MaxPhysPage=40000
MinPagingFileSize= a bit smaller

the new setting works correctly. Be careful When maxphyspage is not defined i get some bad symptoms.
1. Sound using Soundblaster LIVE was choppy during logon sound, later was good.
2. Farcry always gone BSOD when exiting
3. Some bugs in PCI bus visible in TV tuner with some Bios settings.

it seems that without maxphyspage there were few hole bytes in memory which were not correctly assigned to system, so it was better turn them off system memory by maxphys limit.