Forget Linux and Macs. If your still using Win95, you are not exactly a techno geek, so go with the easy mainstream system.
And I do not mean that in any way insulting. Win XP Home is fine for the general home user, XPpro has a few extraa that most home users would never use and a few which are NOT suitable for the 'average' person.
I've been in the IT trade for more than 20 years, and one thing I've learned is that 'joe average' does not need an all singing, all dancing hyper-speed techno buster machine.
Win XP Home on an entry level Intel based PC is the best bet for average home users. No question !
p.s. Why is it that when someone in america builds the most succesful buisness in the world people bitch at him for doing it ?? Land of free enterprise....I think not!