Do you still have Win98 CD? If you do, just reformat your Win98 partition, and install WinXP. When XP setup asks for old version of Windows, just put your W98 CD for verifying (that's what I did).
If you're no longer have its CD, you can disable McAfee antivirus by running msconfig, and uncheck its entry(s) in Startup tab. Restart computer and McAfee won't run anymore.
:smile: Good or Bad have no meaning at all, depends on what your point of view is.