Hi.
Under Chrome, you need to use CTRL+F5 to refresh.
And it still uses some cache.
Personnaly, I goes to Settings > Options > Advanced > Clear navigation data (check "clear cache").
I have the same boring procedure with IE.
With Firefox, I use WebDevelopper plugin to disable the cache (it provides a button). I guess it does quite the same you've done in the browser settings.
Happy coding !