I think it only applies to the 7 or so games that had chd's. For them, you don't need the xor's or the 4gb chd's. They just run by using an internal algorithm.
An accessory for MAME32 and derivatives. It shows some interesting information for each game. For MAME, version 1.11b has been released, and PINMAME version 1.54 is available. >> Get them HERE.