You can change the default IOS in Configuration.h (line 25), if IOS249 doesn't appear in the list when you press +, you don't have it. If you don't use a SD, it won't be used as default, you'll have to change it every time.
I'm testing SoftChip revisions all the time but wiiload has never worked (100%) for me, so I made WiiSend! Just another loader, but this one works for me
WiiBrew's Page
Official Page
Just to let you know that TheLemonMan made a custom SoftChip that loads ORIGINAL GCN Discs. He can be found on IRC. (#SoftChip - freenode)
Download: Here
We test our revisions before releasing them, but we take no responsability if an unofficial DOL/WAD damages your Console. (Personally, I think that's highly improbable if you know who compiles them)