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The 16 MB standard RAM should be sufficient for that. If you don't have your memory packed with other things that is. Have a look at the Load screen in the bottom right where it says how much free memory you have. The chopping function needs some spare memory free to work correctly.
The flash card is NOT the RAM memory your MPC is complaining about. Do again what I suggested in my last posting, there should be a "Wave Free" and "Seq Free" field in the bottom right.
Your MPC is probably autoloading the factory sets and occupying memory. Turn off the Autoload feature, should be described in the manual.