I use Win98 SE at home. It seldom crashes on me as well. I have all of the above on that computer (except for PowerBuilder and Netscape 6) and I usually run several of them at the same time.
I used to have Win98 first edition at home. My computer was crashing three-five times a day. Both Netscape and IE crashed repeatedly, *EVERY* time I tried to use them.
I also have Linux and I''ve never had it crash on me

Josh
http://www.jh-software.com