The emulator XL-it! allows to access the hard disk wherever your basic programmes are located. It's very easy.
You can put these files on a disk image by this way : insert a blank disk image in the (virtual) drive and just copy the files from hard disk to floppy drive with dos.
The emulator XL-it! is my favourite, but it only doesn't replay the digit sounds and doesn't permit the 3x4 colors per lines in some games (eg: world karate /Epix)