or you can wait until I update Sega Saturn Patcher that removes the Action Replay check lol.
I also thought satiator fixed that issue, you just need to have the action replay boot into the cd menu and not directly to game.
I do not support Memory Card backups. So for beetle/mednafen/whatever, with system ram you need to rename the BKR to match that of the hash that mednafen will generate. For SSF. I do not support Hook files yet, so you need to disable the hook option.