Dam if it was fat32 we could have done it another way. The easy way to transfer settings and files is with the transfer wizzard so when you get the new drive plug in as slave and when in XP format the drive as fat32 then create a folder and use trasfer wiz to collect your data and store it in the new drive once done shut down remove xp drive set new one as master boot it up install windows 98 don't format the drive(we already did in xp and we need your data) then install xp like mentioned earlier on install XP use transfer wiz to put your data back. You will need to reinstall all programs and drivers though