I was lucky... (I did not have the "problems" Mark referenced).
Mine started an install of XP3, noticed "something" was wrong,
and then backed itself out...  I may try again sometime soon...
YMMV...
I used the "IT"  (one size fits all) download and used it "off-line".

                                                Rick Glazier

From: "Steve Howe"
>I am running Windows XP.  Latest update is SP3.  I have been putting it off after hearing some rumors that it could screw things 
>up.  Any suggestions about downloading/not downloading SP3? 

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