Windows NT & 3ds
Why do you care so much about Win95? What difference does it make if a NT app
runs in Win95 (by the way, what you read is only true if Microsoft changes the
"current version" of Win95). Win95 is NOT a sort off "light" version of NT.
Win95 is Windows as you have today with several features (read "hacks") added
to it. It still runs over DOS (yes, 16 bits DOS). It relies on DOS' FAT file
system, has no support for application protection (i.e. crash one, crash all),
it is still based on co-operative multitasking (i.e. hang one, hang all). Win95
is NOT, by any means, an OS. It's a GUI for DOS (the actual OS).
NT will separate the men from the boys. For Windows you've got Bob. For NT you
have 3DS.
The only reason I can think off to want Win95 (as opposed to NT) would be
because of the lesser system resources required to run it. Well, with less
system resources you won't run 3DS even today. If you have 3DS running today,
that machine will do just fine with NT.