The IP.BIN is not important, other than it must be there. You can use an IP.BIN from almost **ANY** game when you're creating a new Self-Boot disc, without any problems. What is probably happening is your files are probably being hacked for LBA of 17000 and your drive is only capable of 17002. If the files point to the wrong location, reboots and lockups are a very good possibility.
I'm sorry I can't really help you trouble-shoot your bin files, because I haven't actually burned a Dreamcast disc, much less create a self-boot disc, in about 6-8 months. I haven't even fired up my Dreamcast in about 3-4 months....