DNJ, I would say the more you can disable of the things you don't absolutely need, e.g., Windows Messenger, Internet, games, etc. the better. In addition, the fewer things running in the background the better (fewer crashes/conflicts, more memory available, operates faster, etc.).
On my general purpose computer, I have not done any tweaking at all plus I use it for the Internet. I may have had few more crashes and it may run a bit slower - but is still very usable for music. It is just better to do the tweaks if your going to use the LT as your main axe. If you are just going to use it as you indicated earlier then you probably have to do no tweaking at all. It becomes more critical when playing premium instruments, e.g., Bardstowns' 2.5 GB Bosendorfer Piano while at the same time operating many different kinds of effects especially reverb, etc.
Furthermore, establish key restore points in Windows Xp. This can save you from 99.9% of most catastrophes.
DNJ, you will not regret taking the path you are on. You can start slow making sure everything is reliable, effective and efficient. This is the same thing you go thru with a new keyboard. You have to spent some time to get to know it and set it up.
[This message has been edited by Frank L. Rosenthal (edited 08-31-2003).]