[Solved] Put in the first disk, do a DIR and see what is there. Remove it and put in a second disk and do a DIR and see the same contents. Reboot, and see different contents for the same 2nd diskette. USB floppy 3.5" 1.44, Connected directly to a USB port on the computer. Running MSDOS 6.22.
Solved by switching to FreeDOS. Be aware of the minor issue with FreeDOS format.exe = the /u flag is causing errors in the FD13 version. But one can do without it.
I think the first thing I will try is FreeDOS - It’s newer.