Umm.. a little late on the uptake I guess..
but if you are wiping your drive, make sure you have all your drivers for all the peripherals that you have, meaning any special cards you bought for the computer. Video cards, modem, network, that type of thing. When you reinstall Windows it will have generic drivers which dont always work for the hardware...
Windows Explorer is part of operating system, Internet Explorer is not...if anything comes bundled with Win98 it may be like IE 4 if you're lucky..that was a long time ago cant remember if it came bundled or not.
All other software is separate, Office - which is Word, Excel, Powerpoint are separate, Adobe, Winzip, all the little stuff not part of WIndows operating system.
Good luck..you should be fine as long as you have all cds that came with your unit....if not you could always use a friends computer to download the stuff you may need, ie. drivers, Internet Explorer, Winzip, and burn to cd then install..but of course make sure when you reinstall windows it recognizes the cd rom..I have had problems where it doesnt see it after reload.
Cheers, just go slow...take your time..itll go fine...