HOWDY! This is Patrick, head of our Soundtracks section @ RPGFan. You are just the kind of person I really respect. Good for you, liking Falcom and Romancing SaGa!
Some places to start:
1) GOOD ARRANGED ALBUMS~~~
You should pick up Xenogears CREID, Uncharted Waters II Special Edition, SaGa Frontier II Piano~Rhapsody, Chill SQ, and maybe something like 7th Dragon or Etrian Odyssey (Sekiaju no MeiQ) Piano/Strings. This is good homework music. I also recommend pretty much any Dragon Quest Symphonic Suite, but pull out the battle music and the overture. Keep everything else.
2) CUSTOM PLAYLISTS WITHIN AWESOME OSTS~~~
Everyone is freaking out about how great NieR is, and for good reason. Pull out Grandma, Song of the Ancients, the slow version of the Kaine track, and a few other slow/soft pieces from that OST. You don't want big epic choral stuff knocking you sideways in the middle of a Calculus problem.
Plenty of other OSTs that you can pull from. You already said Chrono Cross (excellent choice!). Check out Vagrant Story and Legend of Mana, those are other great 32-bit items from Square.
3) SOME OSTS THAT WORK FOR YOU, START TO FINISH
Call me crazy, but chiptunes are soothing. So pick up the old FF3 OST, and the first Seiken Densetsu OST (get it packed with its arranged tracks too, "Seiken Densetsu Sound Collection" is the album). Also consider getting this great $1 album on Bandcamp for "Tower of Heaven."
Also good: Classic Dungeon, Tokyo Mono Harashi etcetc, and if you can find it, the Shiren the Wanderer Chunsoft Anniversary box. :)
That's a small sampling. But it should do the trick. :)