Your feed sounds good at about .0003-.0004 per rev, speed at about 50 sfm. My guess is that you aren't using coolant and welding or packing chips. If pecking doesn't work, how often are you pecking? Tiny little drills do not take kindly to packed chips, especially HSS. Use the spraymister that you have and peck every .020 to .030. Make sure that you come all the way back to clear and let the air pressure blow out your hole.
As far as carbide vs HSS, anytime I need to use anything small, endmills, boring bars, drills etc, I much prefer carbide, the price difference is rather small on little tools, but the performance is magnitudes better. I really like those circuit board drills if they have enough flute length.
As far as speeds and feeds go, don't let mastercam tell you what to do. Learn how to figure you own surface speed and chipload, it only takes a couple of seconds to figure your feeds and speeds once you establish a Surface Feet per Minute.