well TOC refresh is a method were you gonna use your "OLD" swapmagic that does have lower TOC on those times.
So you actually need a another legit disc with higher TOC to do a backup loading on those old days (in my case , i have a Dual Layer burned backup, and the old version of SM is only a single layer DVD. So i inserted my GTA SA that is actually the highest TOC ive got and its dual layer, then after that, the TOC is refreshed with higher one and in Dual Layer mode. So now i can boot dual layer DVD disc games now). But who needs that anyway, youve got a newer version of SM isnt it?
heres the disc that i used for TOC backup loading without a help of Swapmagic:
-- Final Fantasy X Limited Edition (Bonus Disc) TOC Size: 4.6gb
-- GTA: San Andreas ;; TOC Size: 7.9gb (someone says that its actually 8.4GB because of hidden audio data on it.)