Well Keef, you'll be familiar with the saying:
"My mother told me there would be days like this"
Unless you have a special reason for wanting the desktop to use FAT32, you should convert to NTFS and reduce the security restrictions. If you convert using XP's Disk Management it's a one-way operation. You can read about it by entering this in the Search Window in Help and Support Center (sic):
"fat32 to ntfs"
The routine is carried out from the Command Prompt because it has to be done at Boot Time and not from within Windows.
But PowerQuest's Partition Magic will allow you to convert back again if you feel strongly about it. I'd rather use Partition Magic.
fobs