I wonder why it is so that people seeking for help always ignore the only useful suggestion.
This is what you should do and tell us at which command it stops with the "no disk" message:
Boot without startup sequence, then...
set echo on
execute s:startup-sequence
and see what line causes it. I am thinking maybe it is addbuffers, but normally that one runs to NIL: - do you even have a df0: drive on your system?
All other tips are valid but not related to the problem. The above is the only approach which can give a helpful information about the cause.
