Okay, I am just going to keep my ROM and CHD file and try every version of MAME since 0.185 and report out what happens.
1. Don't bother with 0.185. As mentioned above, mtchxl6k was flagged as "not working" when it was added in that version.
- That leaves about 38 possible versions to check.

2. You're going to need to find and download "microtouch.zip" which means that you'll probably have two unknown version files. (ROM and microtouch.zip)
- Unknown ROM and device file versions = a chance that the two of them will never work together with any version of MAME.
- The CHD is probably v5 format (used since 0.145u1) and probably hasn't been redumped.
Is the "microtouch.zip" file that I need going to be found in one of these MAME versions, or is it something I am going to have to locate and download?
It's either a device file or
maybe a BIOS file.
Official MAME releases don't include ROMs, CHDs, BIOS files, or device files so it won't be in an official MAME release package.
You'll need to locate and download it.
- It's a good justification to find a known corresponding version of the ROM. (I'm not kidding, this
really is the easiest way.)
Also, do you know of anyone who has , or have you yourself successfully emulated Megatouch XL 6000 within MAME? It seems like such an obscure thing, I can't find any documented evidence of anyone ever playing this on MAME, only the 0.185 patchnotes stating it was added.
I know the MAMEdevs got it working.

The 0.186 "What's new" linked above shows it was promoted to "working" ==> no known issues with gameplay.
If you find corresponding known versions of the four files -- ROM, CHD, device file, and MAME executable -- they will work together.

Scott