-----I don't recall ever seeing any mics with a switch for selectable impedance.... With the right connectors/adaptors, a matching transformer works either way though.
-----With most computer microphones, the sound quality they deliver is very, very poor for low and mid frequencies.
-----Microphone Madness sells good-quality mini mics. I have TMM-1's and CMM-2's I use with a portable MD recorder and my PC's soundcard: they sound fine. Several companies sell these mics, but MM seems to be their point of origin, and MM has the biggest selection that I could find. The prices were all about the same. Lots of online minidisc-related stores sell mini recording equipment also (mics, cables, mic bias drivers, etc.).
-----By the by, most minidisc recorders supply plug-in power, but also record in stereo. On many, there's no way to turn off the plug-in power, but cardioid mini mics work just fine. I dunno if there's a difference between low-Z and high-Z dynamic mics or not.......?