You're welcome.
FAT 16 and FAT 32 are what they call "File Allotment Types" and as you can see there are two numbers, 16 and 32. As color, these refer to bits. Let's suppose you have a library. You have 20 sets of encyclopedias and each set has 20 books. Let's call that FAT 16. What FAT 32 is supposedly can do is condense each set to one book (maybe 2 to 5 but for sake of simplicity let's say 1). so instead of 400 books, you now have 20 books. Win95 uses FAT 16 and Win98 uses FAT 32. But frankly, it's not that big of a deal because Win 95 isn't that bad in file management. However, one word of warning, just because FAT 32 is twice the compression of FAT 16, you cannot use them in either file sets. Remember that although they have the same content, they are different. The 20 set might have different covers and typeface; whereas, the 1 book will have another cover and a different typeface. Hope this helps, I don't think it pertains much to your situation. FAT 16 also has a 1.2 Gig limit per drive, and FAT 32 has none (theoretically). So if you have Win 95, then I suggest you upgrade from 95 to 98 to make sure that you can upgrade your harddrive.
Hard drive do not have hardware conflicts because it's assigned letters (and numbers). They can share the same IRQ, and you can have up to (I think) 50 harddrives in 95 and 120 in Win 98. Why, I don't know. It's how they set it up. The best upgrade for your computer if it's an old one is to get a brand new computer (yes, it's expensive), but there are good computer companies like Alienware (
www.alienware.com) or Falcon-Northwest (
www.falon-nw.com). Those companies are expensive but at least you can get an idea what kind of equipment you can get for yourself. Hope this helps.
Hardware conflicts can be common (in Win95 and 3.1 they were a pain, but seem to have settled in 9 but what kind of conflicts are you talking about?