1. I use the Picture Viewer (comes integrated with WinXP). I does the job quite nicely. You can zoom in & out, go to next or previous photo, save, print, delete...see if it covers your needs. I was using ACDSee in Win2K
2. No idea, sorry!
3. During the set up of WinXP, there will be a screen that will let you create/delete partitions and format them in FAT32/NTFS. Dont worry about FDISK, the functionality is there. You will not be able to format in NTFS using a Win98 bootup disk.
4.It might be just me...what's the question?