So I am now operational with a frontend on MAMEPP. THANKS FOR ALL THE HELP with Soft15khz. The hardest part was that I wasn't sure what was supposed to happen after the Soft15khz was installed. Once it was clear that it was installed but not working, sending me off to get a newer Matrox driver, everything fell into place.
For the record, here's the steps to get it running on a Matrox Millennium II:
1. Install Matrox drivers. Version 5.82 is the final version for XP.
2. Reboot.
3. Install Soft15khz by running the program in a writeable directory and selecting the appropriate install (15, 25, 31, USER).
4. REBOOT.
5. When XP comes back up, it should no longer be visible on the computer monitor, if you get "out of range" that's good!
6. If you got "out of range" on your computer monitor after reboot when the windows desktop should have come up, switch the connector to your arcade monitor - it should be visible as a solid image now. If you can still see windows on your computer monitor but not the arcade monitor, you may need to tweak Matrox montior settings. Select the custom controls and UNCHECK "simple controls". Select 640x480x32bit 60hz.
7. Once the desktop is visible, run mame from the command line with "mame - cc" to make a configuration file mame.ini.
8. Edit the newly created mame.ini file and replace "d3d" with "dd" so Mame will use DirectDraw instead of Direct3D.
At that point everything should work!