Yeah, that happens to me all the time. I'm in the habit of running hardware with a faulty PCI bus for very long periods of time so I don't really need anything more complex than Windows 95 since the kernel doesn't matter when you have a faulty PCI bus.
The scary thing is, is that was precisely the state of affairs with cheap desktops in the heyday of win95. My understanding is that the hardware got cheaper to match the software, then there was no motivation to improve the software, because the hardware would've crashed the machine anyhow.
