If that personal use includes PC gaming, then Windows XP is really the only sensible choice. There ar some older games which won't function with it, but most can be made to run one way or another. The stability of Windows XP exceeds that of any other version.

If that personal use involves only applications use, then Windows XP, Windows 2000 or a Linux distribution are all viable options, depending on the applications you wish to use, and your prior experience with them.


Windows 98 is no longer a truly 'desirable' OS to use for any purpose.