If you have 95 at present, then 98 or better 98SE is well worth the effort. "Upgrading" could be a path to tears. It didn't always work as intended.
If you can steel yourself, a clean install is by far the best way.......... If your hard drive is not partitioned, it may be worth using Partition Magic to make a small "safe place" for your data first. Assume you have all the installation disks for your applications.
98SE is as far as you should go for the present, life gets very complicated for an old motherboard if you become too ambitious.
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