Just my two cents worth. I use both FAT32 and NTFS on my computers. Home computer runs Win98SE and Win2K at work. I use a portable drive (USB) to carry files to and from work. The only reason my home computer uses Win98SE instead of Win2K is the video editing software I use won't run under Win2K. NTFS allows greater security of files and directories (ie sharing or not sharing), and the directory structure is more compact than that used by FAT32. As to speed, I have yet to see any difference between my drives. Also, if you are going to use FAT32 on drives bigger than 64 Gb, go to Microsoft's website and download the updated FDISK file. The limit with FAT32 is 64 Gb, FDISK will report an 80 Gb drive as 15 Gb (80 - 64). Formatting it will also only recognize the drive as 15 Gb. This is a problem that I encountered last week with a new 100 Gb drive. Went to Western Digital's site to see what was up, and found the solution in their FAQ section. Hope this rambling helps you out some. Robin