95 isn't supported by ANYTHING these days. DirectX, drivers for graphics, sound, other hardware too, even games games; everything needs 98 or better.
Anyway, it was so long since I used 95 I don't remember how much it crashed (but I think it was quite a lot), and besides, I used totally different hardware then. Isn't a single component that remains common with my first system. When comparing 98 and ME however I have to say ME has more functionality and looks marginally better, but is vastly more unstable. It suffers incredibly from "windows entrophy" where stuff just decays and stops functioning properly after a couple months. This gets gradually worse until the system is completely unfixable and unusable and needs to be reinstalled.
XP is like, a MILLION times better than ME, even considering the 100 or so megabytes of updates and patches one needs to apply on a fresh install. Don't understand why I waited so long to upgrade, ME is SO bad in comparison!
The times I've ended up with an unusable box with XP can easily be counted on the fingers of one hand, and most of it is connected with games/the graphics driver crashing on me, probably due to overclocking.
Nobody should ever think of any other windows OS than XP, unless the hardware is woefully antiquidated.