virtual memory shouldn't be disabled in any circumstance in win95 / 98, from what i gathered, every build i had that i disabled virtual memory to see if it would fix anything would actually mess up everything and crash almost anything i ran. if your using 2 GB of ram, regardless of limiting the maxphyspage and min/maxfilecache will probably still give you a malfunctioning computer or insufficient memory errors because for some reason, even though the extra ram is limited, it still seems to interfere within the operating system. try to see if you can run only one stick of ram if your using 2 sticks of 1 GB so you only have a max of 1 GB, although every windows 95 i worked with would not boot with more than 512 MB ram from the start, only windows 98SE would. all my recent windows 95 builds had the ram limited to 384 MB with one 512 MB stick of ram ( which is how much you would have to begin with in the first place ), any more than 384 MB, like 392 MB or higher would make the computer malfunction / give out of memory errors, and i think virtual memory even got disabled.