there are plenty of ripz that are under the toc limit, and if not, you put them under the limit. go to spiv.de/ps2 for patches that will reduce the size of the games (no-mod patches). and if you dont find the patch you need there, try this: extract all of the files from your .iso or .bin into a folder with the name of the image file, using pssplex (found at
www.megagames.com/ps2/ps2_utils.shtml) you can now reduce the size of all the .pss files in the image by demuxing, then downsampling the m2v and wav files, then multiplexing again. =)
DVD-R is obviously much easier, and the above is the "I can't afford DVD-R solution".