I never ever actually went to 98 because all games worked perfect in XP
This isn't entirely accurate. There are still many games that won't work properly (or at all) on XP or 2K. Rune, Soul Reaver, Syndicate Wars, etc. Basically, older, lower profile games probably won't work with NT-based OSes. This is why I still keep my 98SE HD in my system. If you just want to play classics like Duke 3D or Quake, XP should be fine. Otherwise, it's a good idea to keep 98SE standing by.