Set XA make the extra ram visible to the system. For WHDLOAD I had to tweak some settings in prefs as it wouldn't work for every game. I would fish on ebay for a 128 mb simm and make full use of the card. Still kicking myself for selling this.
I ahve a Phase 5 Blizzard 040 LC, GVP Jaws, and an MTEC 030. Good speeedy cards but nowhere near 128 meg capaicty. Then again for AMIGA whdload 4-8 mb is fine.