'xcuse me, Chompy, good lord - NO! I never intended to sound "patronizing", I rather loved to sound "petrifying" or even "paralysing" [;)]. - No, honest:
Sorry, dear. I really don't wanted that. I went ill yesterday and was in a somehow rude state. I know how it feels like, when you just can't get your gear running in an acceptable way; noone wants to be told then: "Hey, you poor su**er, look at me, it works great at my place!!" I didn't want to sound like that. To maybe give you something back:
Besides stability and performance there seems to be an issue under XP, you won't experience with 98SE: a loading slow-down someone over here already mentioned. It occurs on my systems at around 80% of load. Whenever I try to load a giga-instrument , which is part of a large sample-pool and doesn't use the whole lot of them, the loading starts to snail and takes minutes. The CPU-meter of the taskmgr slows down (usually the CPU shows a high peak after short while transfering samples to RAM before GS is done). The only way to get around this, seems to load giga-instruments that really take the whole pool, e.g. a full-version-piano. I successfully separated giga-instruments out of a large gig-archive (the ".gig" file explorer shows you) using the editor and the "save limited/check unreferenced samples"-function as a workaround. Such separated giga-files with only one instrument contained usually load fast even under high-load conditions. As I have been checking this out with Tom Hopkins, it was nice if someone over here would add his/her experiences regarding these slow downs. But I am going to get OT, sorry...
What I wanted to say is: if you can't manage to get XP to give you an higher load and if you can get your system running well under 98SE, it might not be the worst thing to do, despite the fact that I consider everything MikeG has said to be true. I have heard of many people with very stabil performance under 98, too. But as you WILL have to move to XP as soon as GS 3.0 might be able handle the RAM-limitation, the 98-system won't be your final destination, I guess...
Good luck
The Roman Patronator ||Qo== ......... (large pump-gun)