Since it's a pain to find the golden chip, use the password 2776-5163-6462-7847. This gives you all items but no chip enhancements.

Before entering the first Dr. Doppler stage (after beating the 8 maverick bosses), you must have the following:

- all Ride Armor (mech) modules
- all 4 Armor pieces (not the chip upgrades)
- all 4 Sub Tanks fully charged
- all 8 Heart Tanks

Now enter the first Dr. Doppler stage. You will soon fight a midboss with a collapsing ceiling. Beat him, then leave the room. After leaving the room, I would suggest switching to Zero. Look for the first pit on the floor. Before jumping down, switch back to X and make sure his health is full. Slide down the left side to find a hidden capsule, where Dr. Light will give you the Super Chip (Gold Armor). This chip is a combination of the other four chips, giving X all their special abilities:

- healing by standing still
- stronger defense
- double dashing in any direction
- multiple charged shots