Thanks heaps for the answers!!
(although it is technically possible and I could guide you through it if you really really want to).
I really really do, if it's not too much trouble for you - I'd like to start over from the same set of circumstances should something mess up along the way, and I couldn't be sure of that if I was using downloaded files from somewhere else.
I shall leave the firmware as it is for now then.
Actually, in regard to #1, the Sansapatcher tool probably won't work on Win98. The easiest solution would be to boot a Linux LiveCD, download sansapatcher, run it, and then go back to doing things in Win98, but the other alternative is a slightly more complex alternate method (assuming you want working dual boot, which is somewhat essential).
Yes, I believe I do want/need the dual boot function.
I have tried a little Linux, but must admit that I am not very good at understanding the language needed to function in the Linux environment competently. Is the other alternative, although more complex not Linux? I would be more comfortable taking "pc instruction" if that is possible. The win98se pc I have access to has had many patches, fixes and upgrades from axcel216 MDGx and is quite a bit better off than the original 98se if that helps?
I'll follow the instructions if you are willing to list them...

Cheers folks!