In my opinion, the problem is led to the very bad mechanic quality of actual floppy drive.
In the last years I've changed a lot of them with poor success. Just few days ago I've found an old floppy drive that worked very well, recovering ALL disks that previous floppy drives seemed to have burnt, both with Win98 and WinXP (or 2000).
Well... yersteday it has nearly taken fire for a poor contact on the power contact: a disaster! So, now I have to find another good "old" floppy drive... :-x
Alex