I'll take XP back any time. From a user perspective, many of the real improvements of later Windows versions were available as add on tools for XP already. Other so called "improvements" are in fact not improvements at all.
There is one notable exception: It's definitely an improvement that nowadays Windows pretty much means 64 bits and 8 Gig of RAM. There was a 64 bit version of XP too, but it wasn't widely used.
As for Windows 98: I skipped that altogether, I went from Windows 3.1 (detouring over OS/2 2, 3 and 4 and even Linux for a short time) to Windows NT 4 and then XP. So Windows 95, 98 and ME just are names for me.
But hey, I've only got another 8 years to retirement, so chances are that Windows 11 will be the last Windows version I have to suffer through. If I retire earlier, that would mean less years of using Windows as an added bonus. Or maybe I'll even switch careers from software development (in Delphi) to IT infrastructure, which is an important part of my current job anyway. But so far software development still is the part that's more fun.