Free Windows 95 Updates.
Windows 95 lacked several options that were added with Windows 98, such as the active desktop which adds features like the Quick Launch toolbar.
Free Windows 95 Boot Up Tune Up
Your Windows 95 system can boot up faster without hardware changes by the addition and implementation of a Windows 98 utility which allows greater control of the startup sequence.

Now is a better time to have a Windows 95 system than many 95 users realize. Many Windows 98 systems are being upgraded to motherboards that run gigahertz and beyond leaving plenty of hardware available that will run 95 nearly as fast. There is far less overhead on a Windows 95 system making it extremely efficient on any system that uses dimm memory rather than simms.
Windows 2000 and XP won't do everything you're used to doing in Windows 95. Windows 2000 is NOT the new version of Windows 98. It is the new version of Windows NT 4.0. Even though 95 can be upgraded to 2000 or XP, you may have some hardware and software not supported by 2000 or XP. The only ISA devices likely to be supported by 2000 and XP are some Network cards and SCSI controllers.
You can have Windows 95 AND Windows 2000 or XP. Known as dual boot, this will preserve your current operating system exactly as it is now and let your Windows 2000 or XP system grow as software and drivers become available.

Windows XP | Windows ME | Windows2000 | Windows 98
Windows NT | Windows 95 | Windows 3.X