Dartpaw86: When I load the game it says to insert a disk.
I assume this is the same thing as 1, in which it gives me a drive slot to use to load the game. Except with 1, it told me how to do that. 3 tells me nothing, just says "Insert Disk"
It was fairly normal for games to support more than one floppy drive on the Apple IIgs and the Amiga. The emulation configuration for Bard's Tale 1 & 2 take advantage of this, and simulate a IIgs with two floppy drives: basically a game disk, and a save disk.
The Apple ][ (non-gs) version of Bard's Tale 3 provided ships on the significantly less sophisticated earlier hardware. It was possible to support multiple floppy drives in games but for reasons I don't know the full details of, it was much less frequently done. In addition, while the IIgs version of bard's tale was stored on a single DD double sided 3.5 inch disk (~800kb), the 8-bit Apple ][ version was stored on lower density 5.25 inch disks that I believe were accessed in a single sided manner (not an Apple ][ expert), which would make them around 170kb apiece.
This means that effectively Bard's Tale 3 is using four disks in one drive, while Bard's Tale 1 & 2 used 2 disks in 2 drives. (This was very large game at the release of BT1, though some later games like Pool of Radiance clock in at 7 or 8 disks.) This means you'll be swapping the disks during the gameplay, so the whole experience is different.
After the game finishes booting, you need to press f4 to insert the character disk. When you enter dungeons or save in dungeons you'll need to swap again.