Maybe for someone it will be useful?

floppy.asm is the source for 1.44 floppy image.
Compile:
fasm floppy.asm
rawrite -f floppy.bin -d A

Usage:
add your external files as ROOT_ENTRY `filename, `name, `extension, attribute, file can have size larger than one cluster.

as example i am added original msdos 6.22 boot files (io.sys, msdos.sys, command.com - not in distr, you can find it yourself) and some kernel.com (with sources

You can change some floppy parameters (SECTORS_PER_CLUSTER, NUMBER_OF_FATS, SECTORS_PER_FAT, SECTORS_PER_ROOT and RESERVED_SECTORS(!), maybe NUMBER_OF_TRACKS and SECTORS_PER_TRACK).
Because algorithm of calculation SECTORS_PER_FAT was wrote many times ago (in masm:) i do not remember all details and don't fully understand it, but it works, and what can i see - works fine. In generally this algorihtm try to calculate optimal distribution between FAT and DATA area.

If you will find errors and bugs - you can post it here. I will be very glad.
In feature i will add support various BYTES_PER_SECTOR and HIDDEN_SECTORS.

And one moment - TILE, you can delete this label and all after it. I add it only for stupid MS VPC, which understands only full-sized images. (he-he, i'm using image, and do not copy it to floppy before run...)

Fasm - the best!

This is a small app written to make MenuetOS installations w/o floppy. It creates .exe file containing stub program and floppy image, generated by scanning current directory and adding all found files to the image. It works fine except that old MenuetOS installer adds 0x5000 bytes to the image, my is just 0x0400 (14 times less). You still can generate compatible installations with it by changing MAGIC_NUM in COMMON.INC from 0x0400 to 0x5000. Some guide to how to use this tool is in the README.TXT file in archive.