It's easy to make a DOS install CD with any additional utilities you like. Simply install DOS with your favorite apps on a small, old hard disk and Ghost it. Download a DOS boot disk image or make one with Winimage.
Burn a \"floppy emulation\" CD using the floppy image, and copy the .gho file (or as many alternate .gho files as will fit, get crazy if you like) along with any stand-alone files you wish to add.
No need to have your boot floppy image contain the Ghost executable, either.
Just copy ghost.exe to the root directory of your CD.
You can run DOS from the CD (much of Win 3.1 will work too), install via Ghost, or if you xcopy the original drive into a folder, use that after the usual fdisk/format/etc performed using the boot floppy image, which will show as A:
You can even use the systems floppy drive as B: to add yet more files.

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