Don't want to spam your thread ...
I get the situation on the console side (although I don't know the systems as such), where you can load a ROM only if the emulator knows about the correct supporting environment that comes with the cartridge to make it work.
For PCs there is definitely a need for a "curated list" or such. Take the Amstrad 1512 and 1640 that came with a set of four or five disks, or systems that need their setup disks due to a lack of a built-in setup. I think these should be identifiable/loadable in an unadulterated form. Maybe some four digit CRC that doesn't take a lot of screen estate and is human readable?