is it possible for you to install windows me over your existing version?
maybe that fresh install will sort your problems out.
with windows xp, a fresh install leaves your data as it is.
if it is possible to install windows xp onto windows me, do that. windows xp is pretty cool. it does not crash as often as the rest of those windows programs did.
or perhaps it is my RAM, i got some more RAM, and maybe it is paging in and paging out which does OS's in. would make sense since one tends to crash more often when one is running more programs