NT has a similar interface to Windows 95, so using it is not very different. Then there is the promised upgrade to NT 4.0, named, in a dizzying flight of imagination, NT 5.0. It is supposed to be released late this year or early next year. The release date keeps changing, migrating farther into the future. I like having the best tools to do my job.
Computers are complicated and frustrating enough without being handicapped with inferior software.
For me, the choice is definitely between Windows 98 and NT 4.0. It makes no sense to wait for NT 5.0. Home Users Home users' needs are another kettle of clams entirely. I think you should use personal satisfaction as your measure. If you are having problems, upgrading may resolve them.