1. win98 cannot see a partition formatted as NTFS so if you want to transfer files between systems the they both need to be Fat32. XP can see both.
2. if you want to run a dual boot system the C: dive must be Fat32 to install the win98 statrup files.
3. XXcopy is for the older systems, XXclone is for XP however Acronis true image will work on either.