Windows 95 had a fixed icon size with no previews, a restricted set of possible panels, and was released in an era when monitor cables were held on to the graphics cards with thumbscrews.
It could also be argued that Windows 95 marked the start of this complexity, at least in PC land. Prior to that, there was very little communication between the OS and the hardware regarding configuration. When it did happen (e.g. monitor resolution, speed of a serial port, etc.), it was directed by the operating system rather than by the hardware.
OS/2 did it first on PC land.
What's the point you're trying to make?
Probably that Windows 95 didn't really cover a lot of the challenges of desktop icons in modern computing systems as it was greatly limited at the time.