The chips don't come with hacked MS bios because it is illegal. Meaning MS would come after the retaillers for selling copyrighted material.
The flash banks do not matter. There are 2 banks so that you can have 2 versions of hacked bios on the chip. Use the .06 bios if you have the origianl HDD or the upgraded on is less than 250gb. Only use those bios if the xbox is NOT a version 1.6 or above.
However, since the flash banks are at least 512k, I wouls suggest looking for the X2_5035.06 bios instead. They are more customizable and do not need to be edited through hex.
Now, if you have a router, just hook up your xbox and PC to it. Then, choose to "setup network" in the flash bios screen. It should give an IP that you could connect to.
http://www.teamxecuter.com/flashbios/
those are tutorials, the network one is the easiest (the fist one on the list)