Actually there is, you can let the loader decide, this is already the case with loaders like Wiiflow etc.
There are more ways then one the do the caching, it is just that crediar decided to do it a certain way.
I hope this can be changed in the future because it is sounding really weird for me that the we ourselfs have to tell the loader which files to cache, which is maybe great for some games, but not very usefull for most games and very user unfriendly.
In fact, i am suspecting that if you cache the wrong files or the wrong amount, it could result to problems with stability.