I dunno about money but i'm willing to help as much as I can for free
I think your a little confused. Lets start from the beginning. The Xchip comes with cromwell bios loaded(legal). The first thing you want to do is put the chip in and see if you can get the cromwell screen to boot(power button)you'll know it when you see it. You would then download another set of bios(non-legall) from the usual places. You can use two(that I know of)types of alternate bios. Xchip bios v1.0-1.5 or M8 bios v1.0-1.5. I suggest M8. M8 is relatively straight forward. Use x-control to flash m8 to bios bank one. Put in your New Hdd(set it to master). Then have your Auto-installer(I suggest Slayers) and throw that bad boy in the Dvd drive and do a cold boot(with power off turn power on via power button). Doing a cold boot will alow the bios to boot your auto installer disk. Format your Hdd and your done(don't forget to lock your hdd if you want to access Live).
*Note if your xbox has been connected to Live before,and you want to connect again with a new Hdd, you will need to purchase a new Eeprom (once connected to live they record two numbers off your xbox one is Hdd and the other is your Eeprom) If your two numbers don't match they know you've altered your xbox in some way and they ban your set of numbers(your xbox)
*double note..... Bios are only a set of parameters for your xbox to follow, allowing you to run unassigned code. The xbox is designed to follow a set of rules and the chip intercepts the rules are they are being delivered and puts out a new set of rules. All programs, dashboards and music are loaded to the Hdd. The only thing that goes on the chip are bios.
Please explain in detail(step by step) what you have done up to this point. You loose me when you start talking about loading and freezing bios.