@BOOtDisk
I'm that rarest of folks, someone who doesn't hate Windows. So I'll help you out.
HERE
It is a tool which allows you to do exactly what you want to do - read NTFS with Win'98 (unsure if it'd work under ME or any flavor of '95).
I made it a hotlink, as I'm sure there's others like me who've played with the two OSs side-by-side and would appreciate it.
Thanks.