I think he means you could have gotten a better boad for the same amount of money, but as long as you are happy, then there isn't anything to worry about.
If you are lucky you can even get a Blizzard 1230 MK4 with SCSI kit for the same amount.
Eventually you will be tired of switching between PCMCIA cards, and running out of memory. OS3.5 and 3.9 will drain your memory much faster than OS3.1 anyway.