Yeah, XP would definitely have more issues. 98SE probably would have the best all around compatibility. But there are some Win95 games that only run on Windows 95. The computer you've got is really nice for the 1994 - 2001 era, though. What you could do is get a pullout tray, and have different drives with different loads, and switch them out as needed. Ultimately, if the games you want to play work, that's what matters.