Why do you think your choice of loaders is limited? While true what format your HD is put in does have a bearing on loader type supported, you don't really spell that out. USB Loader GX, Neo Gamma, Configurable USB Loader, WiiFlow, Cover Floader, etc etc --- there are many. I do know USB Loader GX directly supports ripping your disc to HD (several others do not; some do). I believe when I ripped my child's Cooking Mamma, it took like 45 mins.