OK,
I think I solved my problem, I don't know about anyone else's.
I got the new XBtool 1.0.8b12, and just for kicks loaded up my 4977 to see what it showed. Oddly enough, it said "Unknown Kernel", so I got a new 4977 from xbins and made it blue and all the rest, flashed it on the xbox and it worked, to my astonishment.
Being the "keep up to date" nut that I am, every time there's a new XBtool, I download it and try it out. This is what likely led to my bios bin being corrupted. Not corrupted enough to really mess up the xbox, but just enough to make me pissed off.
Well, like someone before posted, download a fresh copy and don't mod it, but I had no troubles with it after modding in XBtool. Try the latest version of XBtool if you're having problems.
I tried out the IGR in Sega GT 2002, Midtown Madness 3 and XBMP 2.4. Worked perfect!
Hope this helps someone...