Don't go that way. Discs can get scratched and the Data can get destroyed real easy if you use them a lot. Download the ISO and keep it on your Hard Drive, burn the ISO, put that disc away safely (And don't touch it, of course), and when you format the hard drive take it out, copy the ISO into the Hard Drive, and that's that. If the disc gets dirty, it's no biggy. Just clean it (Be gentle, mind you) and everything will be just fine! ^_^
As for downloading... Just find a file sharing program, and download Chrono Cross. It's really as easy as that. Trust me. The chances of being caught are so slim, it's completly unlikely.