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So I think I will always set up my hard drive to dual boot windows 98/xp just to eliminate the hassle of repairing xp in case I need to swap the hard drive into a new pc that way I am up and running in no time then fix xp later on
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Not a bad idea, but Win98 can not read
NTFS formatted drives. Most likely your XP install is formatted as NTFS. XP can be either
FAT32 or NTFS. XP Install defaults to NTFS and NTFS is preferred as a more stable file system, so I would always recommend you install XP this way.
Without a third party tool you will not be able to access a NTFS formatted partition. There are tools available just do a search.
If you're going to go through all that, why not just make regular backups?
Then WHEN if fails (hard drives are mechanical, so if it doesn't fail from software corruption, it Will have a mechanical failure at some point) you can just restore and be back up quickly. Without needing to figure out what went wrong and how to repair it.