I'm still running 98SE with no problems whatsoever.
Yes I have a copy of Xp around, in case I ever go stone fricking crazy and want to install it. Building a new machine this month, heck I may even do a dual boot just for kicks. But I bet if I do I'll still spend 98% of my time in good ol 98.
If you build it right in the first place, then load drivers right it will be solid as a rock. If you screw it up, take shortcuts, or mix & match things that shouldn't mix and match. Then yes it can be a real sob.
Instead of the computer telling me what it can (and will) do I tell my computer what it WILL (and won't) do.
Its a control issue.