This is clearly connected to the disk file system. Disks that work are in adherence to the FAT system on the wiki page danielchen. The way the boot_sector array has a structure overlaid (something that would be in breach of most coding standards BTW) lines up nicely - dump below from debug:
bpb_ptr 0x3f021260 0x3f014c50 36 bios_param_struct_disk
JMPBOOT "\353X" 0x3f021260 3 uint8_t[3]
[0] 0xeb 0x3f021260 1 unsigned char
[1] 0x58 0x3f021261 1 unsigned char
[2] 0x90 0x3f021262 1 unsigned char
OEMNAME "MSDOS5." 0x3f021263 8 uint8_t[8]
SECTOR_SIZE "" 0x3f02126b 2 uint8_t[2]
[0] 0x00 0x3f02126b 1 unsigned char
[1] 0x02 0x3f02126c 1 unsigned char
SECTORS_PER_CLUSTER "" 0x3f02126d 1 uint8_t[1]
[0] 0x08 0x3f02126d 1 unsigned char
NUMBER_OF_FAT "" 0x3f021270 1 uint8_t[1]
[0] 0x02 0x3f021270 1 unsigned char
ROOT_ENTRIES "" 0x3f021271 2 uint8_t[2]
A dump from a disk that fails does not fit so well, which given the number of options is not really surprising:
bpb_ptr 0x3f021260 0x3f014c50 36 bios_param_struct_disk
JMPBOOT "3\300" 0x3f021260 3 uint8_t[3]
[0] 0x33 0x3f021260 1 unsigned char
[1] 0xc0 0x3f021261 1 unsigned char
[2] 0x8e 0x3f021262 1 unsigned char
OEMNAME "\320\274" 0x3f021263 8 uint8_t[8]
[0] 0xd0 0x3f021263 1 unsigned char
[1] 0xbc 0x3f021264 1 unsigned char
[2] 0x00 0x3f021265 1 unsigned char
[3] 0x7c 0x3f021266 1 unsigned char
[4] 0xfb 0x3f021267 1 unsigned char
[5] 0x50 0x3f021268 1 unsigned char
[6] 0x07 0x3f021269 1 unsigned char
[7] 0x50 0x3f02126a 1 unsigned char
SECTOR_SIZE "\037" 0x3f02126b 2 uint8_t[2]
[0] 0x1f 0x3f02126b 1 unsigned char
[1] 0xfc 0x3f02126c 1 unsigned char
SECTORS_PER_CLUSTER "" 0x3f02126d 1 uint8_t[1]
[0] 0xbe 0x3f02126d 1 unsigned char
NUMBER_OF_FAT "" 0x3f021270 1 uint8_t[1]
[0] 0xbf 0x3f021270 1 unsigned char
My suspicion is that, despite being nominally FAT32 formatted, they are in fact exFAT. I can find no definitions for any of the values I read from any disks that fail.
This is not Assumed Answered, far from it