Craven's mention of Deb's "tickling" just jolted my memory as to where I remembered that from! lol I think it was a lengthy discussion on the very same thing.
As for upgrading, I'm a big fan of Win2000. I'd recommend upgrading to it for anyone that is running Win95/me/98 is they can. My system came with ME and crashed 3 or 4 times a day but hasn't died once since I upgraded to Win2000 last October (and I leave my system running all the time. It's never rebooted...)
I'm a little hesitant to recommend XP only because I have very limited experience with it. Off hand I'd say it HAS to be better than Win95 or ME but that is purely a gut reaction and tainted by my distaste of ME. If Craven recommends it I'd say it's safe (making note of the hardware issues..). He knows what he's talking about and I don't think he'd intentionally stear anyone wrong...