A word about USB under Win95: it's flaky. Very, very flakey. Most USB devices don't come with Win95 drivers because of this. But using the Win95 explorer with Win98 shouldn't effect USB. The USB stuff is part of VMM32.VXD, which is still Win98.
Player: Pentium 166MMX, Amptron 598LMR MB w/onboard Sound, Video, LAN, 10.2 Gig Fujitsu Laptop HD, Arise 865 DC-DC Converter, Lexan Case, Custom Software w/Voice Interface, MS Access Based Playlists Car: 1986 Mazda RX-7 Turbo (highly modded), 1978 RX-7 Beater (Dead, parting out), 2001 Honda Insight
"If one more body-kitted, cut-spring-lowered, farty-exhausted Civic revs on me at an intersection, I swear I'm going to get out of my car and cram their ridiculous double-decker aluminium wing firmly up their rump."