I run this stuff for a living, remember. And I know a lot of people who run W2K, mainly online gamers who have high standards of stability and performance. Hell hath no fury like a gamer whose PC crashed in the middle of a league match. (I play first person shooters, like Quake and Counter-Strike, which stress the PC substantially by using lots of memory, CPU, disk and network I/O, all at once)
I don't use SpinRite, or Ghost.
Interestingly, by comparison with previous versions of Windows, I don't see the amount of cruft accumulating on the system (temp files etc) that I did with NT and the bletcherous 9x series.
As for patches, I keep up to date on all my systems with the tools provided (Windows Update for W2K, Ximian Red Carpet for Linux).
On Linux and Windows I'm highly selective about the software I install. The result is a system that hasn't been reinstalled even once since I installed the OS, about 14 months ago. (I got a new disk).
I don't particularly like the explorer shell, for a number of reasons:
1. There are no high-quality replacements
2. No multiple desktops
3. Dragging/copying behaviour is non-intuitive for the reason you mention
4. It just doesn't look as nice as my GNOME desktop with the Crux GTK+ and Sawfish themes. XP doesn't improve on this.
5. It's slow - you try opening an explorer window onto a directory with hundreds or thousands of files and you'll see what I mean.
On unfixability, I'd say Linux is easier to fix than W2K, but there's nothing more miserable than a Linux box with a broken RPM database :-). Or a horked ld.so 8-(