Jenny, would you believe something as simple as that last suggestion worked. Or rather, Windows '95 worked. I had tried '98 and NT because I thought, it being a newer game, why would it need to run on '95. I finally lost all patience, figured what did I have to lose in trying '95....and it's playing fine now. I admit it, I'm a loser, I should've tried them all from the very beginning. But Dreamcatcher even states in their promos that it's designed for XP! Go figure. At any rate, thanks for all your help and suggestions. And your patience!
Life Lesson #212: Some people have a way with words, while others...umm...thingy.