I thank you both, sure enough backing up on cd "/Documents and Settings/<Username> directory." backs up address book, email messages and web bookmarks.
Still not enough to make me take a second look at M$, although I do admit they have made things a little easier to fix and back up since I abandoned them at 98se.
I say fix, due to the fact that I did more googling and found M$ now makes programs to fix there operating system. Works pretty good I might add. Check out:
http://support.microsoft.com/kb/314058/EN-US/
The only improvement they could make would be a proclamation prior to installation to say when this installation inevitably fails, do this to recover it. Most M$ users know nothing about fixing, they still have the reinstall mentality. Anyway, I have another happy workmate with a working pc. And he now has a backup of critical crap made in Linux environment. And no, due to system restoration I did not install Mandrake yet. I left his boot order for cd first so he can play with knoppix for a bit and hopefully catch the bug.