Well I'm not entirely sure what I did right but it's worked.
After 2 years of trying off and on, I have got Win XP.
I loaded it over the top of my Win ME, even though every trouble shooting guide I have read says not to. It failed initially with a setupdd.sys address date/stamp error message. I rebooted and carried on with the load sequence. 45 mins later it's in and running. Marvelous. Cheers.