Bhang,
Simply put:
1.) Windows 3x, requires an update in order to use a 32-bit TCP/IP stack.
2.) Windows 95, has everything you need, but TCP/IP is limited as to how many adaptors you can bind it to.
3.) Windows 98/Me, NT 4.0, Win2k, and XP have everything you need, and don't have the binding limitations as with 95...