If I'm not mistaken you could use FAT32 if you have Windows 95 B or C (OSR 2 and later) and thus use a memory as large as 32 GiB. Windows 95 will crap out if you have more than 512 MiB of RAM. Also the default memory management is poor. Use Cacheman 4.1 to fix that. Opera 10.1 is the latest modern web browser that will run on Win95.
If you want to supplement your guide with any of this I'll gladle supply you with all my files and knowledge (still running 95 on one rig here).
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