As previously stated I have no better luck on wait time if I just do basic boot up with insert disk prompt.
As of now I have the 3.1 roms installed and no different.
Removed jumper on D and no change.
Ram installed on Warp 128mb, 18mb on MB. All tested and good.
When I installed OS 3.2 I used Winuae but again, the issue persists with out a boot from there.
Thanks all for staying with me on this.