I have found the answers to many common Windows XP problems on this site. Highly recommended (no it's not my site).
http://www.theeldergeek.com/index.htm
There are "clear" or transparent screensavers that still show the desktop while they run. This enables the lockdown while still showing the desktop.
I can't recall if you can grey out screensaver options in policies or not.
Hope this helps.
Bruce
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