Have you tried running the USB Loader of choice both from a forwarder and from the homebrew channel?
You may of ended up using an ios that does not work with wii games IOS 58 is what the loader itself will use and most games work via IOS 249 (found in the USB Loader GX settings, I would set that as default but try that for a game you know should work first) you can use https://wiki.gbatemp.net/wiki/USB_Ga...tibility_Table as a reference, though it is outdated, if the default IOS used was changed that would indeed mess all the games up
stick to fat32 with 32k and a USB HDD for testing
SD card is just too slow, USB flash drives have more issues than USB HDD drives, USB flash issues are fixable though (don't remember the exacts off the top of my head)
disc drive indeed has zero effect to HDD loading