I'm not certain why someone would think that not having auto-insert enabled would cause their CD rom to lock-up, I have usually found things to be the other way around, with one exception: Enhanced audio CDs (with built in Animated menus utilizing shockwave) can sometimes unknowingly cause computers to freeze as they load up on your system, a complete bear if you don't know what's happening.
I recently have had an issue with CD rom lock-up utilizng Winamp and an audio CD. Winamp relentlously was reactivating it's Gracenote cddb extension. This is an extension that allows Winamp to look-up CD information at the CDDB site. I did not want Winamp to do this as it is not my regular CD player. When the Winamp-Gracenote extension becomes active an abort button is also available. Unfortunately when I hit mine, this software locked up my computer, which makes me wonder if this problem is making it's rounds (there are a lot of people that use Winamp at least for mp3.) The reason I mention this is that the final result was that my Mitsumi CD burner hardware was destroyed by the incident. When I opened it up to inspect the internal hardware I found evidence that the Oak chip and another nearby chip had experienced some severe overheating. The CD burner was still recognized but apparently it has now lapsed into a permanent coma. (For the technically obsessive I tried reinstalling the firmware and adjusting the servo and optic lens, to now avail. The CD burner was fried.)
I had no recognizable trojans or viruses on my system, but eventually came to the conclusion that Winamp had been altered or damaged, whether by some foreign software entity or simple 'ravages of time. It had been on my system through an awful lot of re-installations. Also I note that I do trade some files, and recently I have encountered frequent evidence of attempts to plant trojans or other simular devices on my system. Completely deleting the Winamop directory (Skins and plug-ins too!) and re-installing the newest version of Winamp which deals with a recently encountered 'vulnerability to hackers' not only gave me the option to NOT INSTALL THE GRACENOTE option (hallejuah!) but appears to have halted this lock-up syndrome on my system.
I utilize all the latest IE6-sp1 and updates on a Win98 system.