Bollocks
If you want to upgrade 95 to 98, you'll end up with 98, and a bit of other mish-mash with odd and ends of 95 lying around.
Don't be paranoid about 95 - when you think about software and hardware, it's a wonder computers work at all!
Seriously, trash it and start again - you'll learn in the process, it won't take long, and you'll have a CLEAN install ;-)
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Me, sweat? I'm that cool, it's condensation.