I think that's where the HxC drive can come in handy - if the optional software disks are copied in HxC format, they can be stored on SD card, along with sample banks in HxC format.
I think as FZ users, we are on the crux of evolving into the next generation of FZ life forms.
I have been keeping an eye on the HxC forum, there is a lot going on with the FZ. You should all read up on this thread for developments:
http://torlus.com/floppy/forum/viewtopic.php?f=18&t=408
I have one of the optional software disks in HxC format from that site (.hfe format) - the FZ20M SCSI drive controller disk. As far as I understand, if someone has a HxC drive installed in the FZ with a HxC formatted SD card, all they have to do is put the SD card in a computer and put the optional software programs on the card, then put it in the FZ and load it, as if it was the floppy disk. I have put it in the FILES section, in a new folder called "HxC floppy drive emulator". I also put some shareware disk files in hfe format in there also, for people to test their drives, in a "samples" folder in that folder. I'll also load up the HxC PC editor/loader software as well. Perhaps someone who has all this gear can turn those other optional software images into .hfe files for the HxC drive, that would be great!
Cheers, Graham