Well, I've done the whole NTFS and the FAT32 routes, and to me it's made little to no difference. Although NTFS is better in my mind. If you dont care about security or slight/almost no performance increase and want it to share with win98, then FAT32. If you're just going to do Win2k, then I dont see the harm in NTFS, unless you destablilize it and have to start over from scratch then it's a hastle to redo everything on a NTFS formatted drive, while with FAT32 it's easy.... the choice is personal, dual, I'd go FAT, just win2k I would have a hard time deciding, but I think I would go with NTFS....