I use Windows 2000 on my server and as my desktop OS and it is rock solid. What Microsoft don't seem to understand is that the home user is entitled to as much security and stability as professional users.
The entire 9x/ME series seems like a waste of time in retrospect, when they had a usable OS like Win2K I really don't see the logic in selling an inferior product to home and non-admin office users. And when it finally came time to offer an NT based Windows to the mainstream market, they piled a sack-load of useless crap on top of the NT5 framework and called it XP.
You can fix things with Windows 2000. I've had to re-install Linux, that great figurehead of stability, more often than 2K. As regards other versions of Windows... I really don't think you can blame the user when the way the 9x series worked was hopeless. Things break for absolutely no reason under those releases.