Well, in a way you did. You got me thinking about the configuration of the UMBs and the utility I was using.
UMBPCI.SYS is very particular about what chipset it will work with.
I realized something I had forgotten about. My Chipset.
My Chipset in the old PC is i430TX which allows for 256MB of physical RAM, BUT (and it's a big one) only allows 64MB to be cacheable at a time.
Having a 32 MB Ram drive is just fine and I still remain with the 64MB cache, because DOS was designed to allow this using RAMDRIVE.SYS, but by using a third party utility that breaks the rules of that barrier, I am forcing my system to read all those unused registers every time it has to access the RAMDRIVE. In effect, the system no longer treats it like a normal RAMDRIVE, but as another PHYSICAL drive. However, this drive is using RAM, and that RAM is suddenly unallocated properly and uncached. I realized from wading through some documentation, that if I go beyond that limit even just by 1 KB, the allocations for the 64MB cache go haywire. Which explains why SMARTDRV cannot properly cache the "real" physical disk and the now "unrecognized as such" RAMDRIVE. I am still reading more about this, but that sounds sort of like the issue that I have figured out from the technical mumbo jumbo I have slogged through so far.