Thank you for the link. It is a good overview of the XP Backup Utility.
It sounds like the XP Backup utility is overkill for me. I don't have lots of data to back up. I don't need incremental backups because data doesn't change often and isn't of much value. (The kids tend to write their report, turn it in, and never look at the file again.) I don't have a tape drive. I am just copying the data files I need to a CD.
I also don't see that the backup utility does any kind of compression to get more data on a disk.
I have never read that there is a problem reading a disk made under fat32 after changing to NTSF. I'd still appreciate hearing that confirmed or corrected.