Hello.
Sorry for your troubles with your PlayStation 2.
It sounds like it has a "very interesting" time behind it.
The Memory Card issue can came from an bad/dirty contact through maybe dust or similar.Can you please try another Memory Card before you take "actions" on your PlayStation ?
You can try to take a strong blow in the PlayStation´s Memory Card Connector.
The Game Reading Issue can have many reasons.A dirty Laser Lens or maybe scratched Game Discs.By the Way,is your PlayStation "original" or does it have an Modchip for playing Backups ?
The "noise" (comes as you described from "inside" your PlayStation) can maybe also dust/dirt in the Fan.
The best Solution (you said you are afraid of opening your PlayStation) if you can use an air compressor to get out the dust/dirt.
Maybe some of this Tips helps.
Thank you.