> Most games I've played on with an RTC still let you set the time but MAME uses your > PC's time for the RTC simulation
The RTC that are implemented correctly will default to the pc's date and time at startup and then update it at the emulation speed. If you save state and then reload it then the date and time will carry on from when it was saved. If you play an inp back then it will set the date and time to what it was when you recorded. If you change the date/time in test mode then it will just carry on from that time. One second of emulated machine time will advance the clock by one second.
I don't believe there is a way to pass in date/time in the command line for games that don't allow you to set the date/time in test mode. I think it's expected that if the game is using the date/time for anything that it will have a way of the operator setting it.
Some RTC in MAME have been incorrectly emulated by continuously reading the PC's RTC, which causes several issues. If there are any still left then bugs should be opened at mametesters