There is a guide somewhere, I think on Thomas Rapp's web page, on how to create an Emergency Disk using a PC. You don't actually need UAE or a spare hard disk, but you do need to be able to read MSDOS disks on your Amiga (which you can with Workbench 3.1). I forget the exact details, but it basically involves putting the OS3.9 CD in to your PC, creating an archive of the Emergency-Disk drawer, transferring the archive to your Amiga, unarchiving it to a formatted, initialised floppy disk, and modifying the CD mountlist to match your hardware. I will have a look around and post a link to the guide if I can find it.
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moto