Right, the complication from Windows 95 is not necessarily that it will take up the first partition it sees (like DOS, Windows can be made to install to a drive other than C as long as its core boot data is left on C) but rather that it will force a format of your C drive if you want FAT32 and not allow any other choice. The way I was planning to get around this was first creating a second primary FAT16 partition, then using Boot Manager to hide the first partition so the next one can take over as C drive. With the first C drive hidden, the second C drive should boot and Windows 95 can install from scratch while at the same time convert the partition to FAT32.
So, while Windows NT has the Disk Manager for full partition reconfiguration throughout the hard drive, Boot Manager has the capacity to hide partitions; between both one could conceivably go to town within the limit of only being able to have 4 primary partitions (Boot Manager takes up one of them which practically leaves only 3). Both of our projects do not exceed that limit of 3 thus are theoretically doable, and I think it worth noting that Boot Manager is one of the primary reasons OS/2 is part of my plan: without the ability to hide a primary partition it would become very complicated to have Windows 95 and 98 on the same system (official word from Microsoft is that it is not even possible...but we know how much Bill loved to stretch facts especially back in the 90s).
In your case without NT Disk Administrator you would be left with these options: IBM Boot Manager does not support FAT32, but it can hide partitions and add new FAT16 as well as the HPFS format that is best for OS/2 (and early versions of Windows NT); Windows 95 cannot handle HPFS but is absolutely necessary for FAT32 whether upon first installation or using its conversion application (just make sure you do not convert whatever drive you have DOS on because that could render it kaput as an independent OS). You have all the tools you need so it would just be a matter of which order you do things in. This should help: http://www.warpdoctor.org/walter/articles/1998/aa091698.html
This is not knocking at all on third-party options, but you mentioned wanting a learning experience and I think both our projects qualify as endeavors if we can manage to make it happen using native software only.
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