Thank you, Robert. I saw what you meant when I used busybox's fdisk -l on a couple of USB flash drives that were identified as WIN95 FAT32, but had vastly different geometries.
Browsing tc-install.sh shows me how you do it. Now I have the tools I need to reliably initialize USB flash without Windows.
I suspect that the Dell BIOS is somewhat primitive, despite being up-to-date. This is the same BIOS that won't boot TC with working networking on a 4 GB RAM system without the additional max_addr=4000M parm, which is apparently not required by TC on most systems with RAM => 4 GB.