Loading an OS is not something we do without what files we can't lose on the backup. Your choice on that!
And yes, you can load 98 as long as the file system is still unchanged. I won't discuss how to install 98 since there are over 100 posts describing how to in these forums plus you have google.com
I have tried unsuccesfully to upgrade my 98 to 2000. The screen keeps freezing and looping at installation. If I reload windows 98 using boot up disk and 98 CD, will this create problems but most importantly will i still be able to see my documents??