In orde to alleviate this problem you can download a boot manager to help you, although there is probably an easier way to do it. I would go into windows XP and edit your boot.ini file which is under C:\boot.ini. By editing this file, you can have a screen come up and ask you if you want to boot win98 or windows XP. I am not sure if you can do this in win98, although I am sure you can. I've enclosed a copy of my boot.ini file so you can see the changes you have to make, you basically just have to tell it where the partition for your winXP (or win98) is. As for your driver situation, I had the same problem. All my drivers were under my windows XP Home and I wanted to install windows XP Pro and have everything to work. A mr. castner told me of this wonderful program that searches your hard drive and takes any available drivers and puts them into a folder called "drivers". All you do then is go under system in the control panel (in winXP) and install all the drivers for your devices manually from the folder "drivers" which you can copy to your XP partition. Works like a top for me. Here is the link.
If you do download this program it makes a bunch of subfolders for each device and this can cause some problems during installation. Just go into each folder and copy the contents into one master driver folder so all the .inf and .sys (and sometimes .dll) files are all in one folder for all your devices, this will help you immensely (well it did for me anyway).
Good luck and ask more questions if you have any problems.
regards
boot loader]
timeout=30
default=multi(0)disk(0)rdisk(1)partition(2)\WINDOWS
[operating systems]
multi(0)disk(0)rdisk(1)partition(2)\WINDOWS="Microsoft Windows XP Professional" /fastdetect
multi(0)disk(0)rdisk(0)partition(2)\WINDOWS="Microsoft Windows XP Home Edition" /fastdetect
C:\CMDCONS\BOOTSECT.DAT="Microsoft Windows Recovery Console" /cmdcons
Do you think your friend could feed my cat? Heisenberg wasn't sure. ~ Erwin Schrodinger talking of his revolutionary paradox