Well people,
listen to a very old DOS user (1988)...
The old good MS-DOS was the most reliable system ever made.
Windows 95 i think it could be a beta of Win 98, who got to be good enough with 98SE.
Windows Millenium is an eye candy improved version of win 98.
All the previous systems, if you don't overload them with crap, or use crappy or overclocked hardware runs fairly well.
The Windows NT/2000/XP family is the best you can find as reliability.
If they crash is mostly because compatibility issues, or because you messed with system files, and most internet crap does, but even in that case you will need an HUGE amount of crap in order to overrun system preservation routines.
I've used every MSFT system, and exstensively...
If you buy good hardware and treat them well they won't be really unreliable...
linux suffers of too many compatibility issues, and it's a server oriented system, because is derived from unix.
Now, i'm sure that the omnipresents linuxers will swarm and flame over me, but this is the plain truth.
Currently i'm using Win XP Pro since almost one year and it NEVER crashed, and so did Win 2000 when i used it.
Don't blame on MSFT for everything people, it's useless and won't solve your problems.