We have a four pc network, connected with a Belkin router. My son, daughter, and I all have desktops running Win 98 or SE with a FAT32 format. My wife has a notebook running Win XP Home, also with FAT 32. I'm thinking about upgrading to Win XP Home, but formatting in NTFS. Will I lose my ability to access each other's machines and vice versa? Or should I stay with FAT 32 if I upgrade?