I was the same way. And really, if you are running 98 now and have no problems you cant work around, there is no sense in spending the money to upgrade to XP yet. 98 and XP arent compatible so unless you swap to a new hard drive you have to reformat it. Some older hardware items dont have drivers for XP. Some of the CH stuff works fine in XP (as long as you download the CH analog drivers for XP from their website) but there is some functionality lost in some items. The Force Feedback stick, for example, will work fine as a joystick and all the buttons work, but there is no XP driver for the FF functions. I have also heard there is some problem getting some of the buttons or the hat to work on the analog Pro Throttle. My Flightstick Pro and Pro Pedals work fine in XP.
I held onto 98 until the bitter end, and I'd probably still be using it if I hadn't had such problems with IRQ conflicts. XP just has more available to assign, and it does a better job of managing memory. I always hated the way Win98 handled its resources. XP solved those issues for me. There are new ones to deal with, mostly in the area of security, but they arent that difficult. If you have any experience with NT 4.0 or Win2k, XP is fairly intuitive to understand.