I was wondering if it might be a memlo issue as well in regards to BigDOS.  So - I went ahead and grabbed another SD and this time partitioned it as TOS and installed HDDriver directly to it.  No longer using BigDOS.

Results:

16mhz on / ramdisk off: crash - black screen with white lines of garbage
16mhz off / ramdisk off: same as above
16mhz off / ramdisk on: keys advance through credits until back at 'Robocop 3' at this point no key/button does anything visible, digi music still playing
16mhz on / ramdisk on: same as above