10 ISPs worth of free trials and shortcuts on your Windows 95 desktop. AOL, MSN, Compuserve, Prodigy, AT&T, NetCom, UUNet, NetZero, EarthLink, MindSpring, countless local and regional providers...
Your Windows 98 machine being taken over by viruses minutes after booting up
Pop-ups! Pop-ups everywhere!
Adware infesting your system. WeatherBug, HotBar, BonziBuddy, Ask Jeeves, Gator, you'd have half your screen taken up by add-on toolbars in your browser.
Your system crashing at least once a day. Compared to the 16-bit days, system crashes are rare.
Terrible streaming. Nothing like RealPlayer on a modem, where it sounded like a clock radio placed deep inside a steel 55 gallon drum.
Laptop battery life that was measured in minutes. If you had more than 2 hours of battery life...