As far as I know, the sofware font loaded as a TSR was only required when a code page other than 437 (US) is required. We always need to load them for example, since several of Turkish alphabet characters (i.e. http://en.wikipedia.org/wiki/%C4%9E) was not covered by 437 and/or 850.
Untill MS-DOS 6.xx, it was not even possible without a third party TSR, since code page 857 (TR) only included with that version and above.
IBM PC-DOS had Turkish code pages long before MS-DOS if I remember correctly.
GA-6VTXE PIII 1.4+512MB
Geforce4 Ti 4200 64MB
Diamond Monster 3D 12MB SLI
SB AWE64 PNP+32MB
120GB IDE Samsung/80GB IDE Seagate/146GB SCSI Compaq/73GB SCSI IBM
Adaptec AHA29160
3com 3C905B-TX
Gotek+CF Reader
MSDOS 6.22+Win 3.11/95 OSR2.1/98SE/ME/2000