One additional question, would this be a good time to upgrade to XP since I have to reload everything anyway?
This would be an excellent opportunity for such an undertaking, provided your machine and peripherals will accomodate, or be accomodated by, XP. A fresh, clean, full install of an Operating System is generally the best way to go. Just be sure first to obtain, and save to removeable media, any necessary XP-Updated drivers and program patches as apply in your situation. And, painful as it may be, DO NOT SAVE ANY OF YOUR E-MAIL (print out any truly important items you wish to save), and copy your "Address Book" to paper, reconstructing it manually after you have reconfigured your system.
Another bit of advice useful if you are "starting over", save ANY application or program you may in future download, in its original, unopened, unexecuted state, to removeable media whenever practical. When ready to install, COPY the item to a folder created for the purpose your desktop (do not merely "shortcut" it), and do the installation from the copy; that way you always have a pristine fallback, should use of same become necessary. If the application or program has a receipt, serial number, or activation code, and/or user name/password, it is wise to save a text file with that info along with the original unopened item.
Another little helper I frequently overlook, to my eventual and inevitable dismay, is to ALWAYS, and promptly, appropriately label any removeable media, and to index the contents of same thereon. I will attest freely that I often find myself wishing I more scrupulously had followed my own advice in matters such as these. Just "Knowing Better" does not mean I always "Do Better".