As you've said, I'm not interested in your optimizations. I have my own, and they have worked well over the years. And over the span of 4 different MVP3 mainboards (Acorp 5VIA77, LuckyStar 5MVP3 and 2x Luckystar P5MVP3 mainboards).
As long as it gets the task done, a disc containing XP is helpful for transferring from USB to the hard drive. Nowhere did I say I installed XP separately on the hard drive. Just booted into a live disc which creates a ramdrive, that is then cleared when rebooting. At best I also use it for partitioning within Windows, through the bundled apps by F4UBCD. (HBCD tends to not detect HDDs and storage drives until I tell it to install all PnP and non-PnP hardware)
I am not going to destroy a hard to find CPU (and you don't want to know how hard it was for me to find it in my country, because for me eBay and the likes are not an option - OLX classifieds are the only way for me to buy old retro parts, as FB Marketplace isn't helpful either when trying to search for retro parts) trying to delid or change faster hardware to slower cards just because you think those are "optimization" when they are absolutely not.
If I would have really wanted to set up FTP transfer (which I only need for consoles, not PCs, with the existence of USB and small capacity flash drives), I'd at least look into Intel cards, which I've had rather good experiences with, in most cases. (unfortunately just not with the Compaq NC3121 which for whatever reason stalls to a halt when trying to both download and visit a website at the same time - possibly due to age very likely.).
These Intel cards are also supported out of the box 99% of the time and have been proven to work better than 3com cards, close in performance to the RTL8139C, but with the same properties as 3com cards (hardware-based cards)
A slow 3com LAN card (I have legit recorded speeds no higher than maybe 600kbps at best on the 3com, compared to near 2Mbps on the RTL8139C for instance) that chokes to a halt when trying to download as much as a 20-30MB driver is nowhere near a optimization. It's actually a drawback, and a huge one at that.
For the record - XP is by now retro, and by a rather good lot (RTM release date is 24th August 2001 - a whole 21 years by now) even if people still keep using it. Vista, 7 and newer are not.
I would agree a i9 is nowhere near retro, but not that anything ranging up to Socket 370 as well is not retro - what is absolutely not retro would start with 775, even if there are boards that have 775 + AGP + DDR400.
Socket 370 came in almost mid 1998 (April 98), so it's still retro. Anything made before 775 is still considered retro.
With this, I'm resting my case.
"Enter at your own peril, past the bolted door..."
Main PC: i5 3470, GB B75M-D3H, 16GB RAM, 2x1TB
98SE : P3 650, Soyo SY-6BA+IV, 384MB RAM, 80GB