Yep, the SegaCd/MegaCd bios files could use an improvement.
In general you need the same bios files for picodrive and genesisplusgx (no need of these eu_mcd1_9210.bin..etc...files):
bios_CD_E.bin:
e66fa1dc5820d254611fdcdba0662372
or
d8b8b720dea6c6ba25c309ed633930f4
bios_CD_U.bin:
854b9150240a198070150e4566ae1290
or
2efd74e3232ff260e371b99f84024f7f
bios_CD_J.bin:
c9f7210fe006bbbd687b79b3321620e0
or
278a9397d192149e84e820ac621a8edd
For pcsx_rearmed:
No chd support at the moment