I decided to try FAT32 install and I followed a few other tweaks such as turning of D2D, windows cache/paging, and my full-install XP is totally usable without stalls. Admittedly, things do take longer to load up... but I can watch movies, or listen to MP3 without any stalls or stutters. For anyone that hasn't tried this yet... I recommend it prior to upgrading your HDD or memory. I plan to use this for internet, email, and Remote Desktop -- it works great so far. Wanted to point that out before people start scrambling to buy hardware. I'll post some tweaks if anyone is interested.