When you use roaming profiles in an environment where you can logon via W98 or W95, you may experience unusual behavior when you make changes while logged on from W98.
W98 stores certain desktop information in the registry in a format that makes it impossible for W95 to change it.
The only one I currently know about is color scheme.
If you change the color scheme while logged on via W98, you can not change it when you logon via W95.
While this is not a disaster, it is possible that other changes made while logged on via W98 will not be so innocuous.