Use MAME 0211 or earlier if you want to be able to turn off the use_bezels option in mame.ini. The artwork system is changing, so the options were removed.
It was nice to be able to turn off bezels, but leave overlays and backdrops. But those options are gone for now.
You can still use the view option to set everything to Standard or Pixel if you don't use artwork, or just set your artpath empty.