Yes, that's right with the internal/external clocks - they have to be changed for each CPU board.
You can plug in bigger SIMMs (eg 16 or 32 MB), but they will only address 4 MB each. You can use 32 or 36 bit SIMMs too, any parity bits will be ignored.
Did you try swapping the SIMMs into the Chip RAM slot to test them?
tony