I recall a handful of tools that anyone could use (I was 10-11 and could figure it out) to break and bluescreen Win 98 computers remotely.
10-11 year old me liked the XP theme, the icons were so “fresh”, nearly everything that came before was grey and boring (and the beige boxes didn’t make that better) so it was a welcome change to me at the time.
Now I’m old, I see the joy of grey high contrast consistent UI: what I am doing is more important than the shell around what I am doing.
I've got friends who ran Windows ME and it was rock solid. My experience was very very different, same with Windows 98 SE.
With that being said my PC with Win95 OSR2 was super stable.
Windows XP forced driver development to a more modern standard that made things more stable. Still not stable enough (Windows Vista and up enforced that more and more in their APIs) but with XP the days of drivers assuming they could take complete control of the CPU and various buses were over.
Of course the companies that made shitty drivers for 9x also made shitty drivers for XP, so old hardware and hardware with shitty drivers was still less stable than other new hardware available, but things were moving forward.
These days, it's rare to see a full BSOD in Windows on any hardware but the very shittiest, especially with Windows 11 thanks to its artificial hardware support cutoff.
Good gods no. But then in the business in the UK late-1990s, Wikn98 was known as "GameOS".
I ran NT 4 at home until W2K came out.