Here are some comments from the real world.
The point I was making was that most of the improvements are of little relevance to a typical home PC user, certainly not enough to justify the cost and hassle of upgrading.
Agreed.
Although I mainly use 98SE at home we use XP at work, and I honestly have to say that from the user perspective, the only obvious difference between the two is XP's prettier icons.
Not agreed. We use Win2k at work and I use 98SE at home. Not a fair comparison, but 98SE will about twice a month, freeze (mouse won't move, keyboard won't work), and I have to re-boot and lose whatever I was working on. (But I'm also in the habit of saving often, so a minor annoyance).
At work, Word will ocassionally (maybe once every two months) say "We're sorry, but Word encountered an errror and needs to close" Then when I click OK, it backs up my file (to a recovered doc), and closes, leaving my other apps running unharmed, and when I re-open Word, my last changes have been automatically saved.
A big improvement from the users perspective.
Keep in mind that I have more time spent daily on my work then my home PC, (and balace it against the fact that I have a fairly barebones software environment at work and tons of crap on the home PC), and there is a stability improvement.
Now if Microsoft produced a version of XP that could be disengaged from its GUI and also ditched their product activation nonsense (another debate for another thread) then I'd happily upgrade tomorrow.
The product activation is a big drawback to me. I wouldn't even mind paying for the upgrade, but I can (in violation of the license) load the same version of 98 on multiple computers, and I can't (easily) do so with XP, but another debate for another thread . . .