Meh. 95 was crap for reliability, but I preferred it's UI to the Mac or X or NeXTStep. Unfortunately not all of the #a11y hooks worked as well as 98 or W2K... But those OSes incorporated "weird" UI abstractions that weren't present in 95.
And I got scared away from everyone saying "oh, NT has such beefy hardware requirements and doesn't support joysticks." And before I realized I didn't play games on my beefy work computer, win2k was out and it seemed to have better support for multiple displays.
Just my $0.02.