I don't know if its a hardware thing or not anymore. I installed something that needed a reboot, I figured it would be quick and my PC was already "warmed up" so there shouldn't be a problem. I was wrong. So I just shut it all down and went to bed.
This morning I decide to try it again. Took me a few tries to get into safe mode (for some reason it wasn't doing anything when I hit F8). Once I got it safe mode I uninstalled what I thought might be causing problems, namely Dawn of Discovery. Its the only thing I could think of that I'd installed again to make the problem happen. Since I was in the Add/Remove Programs thing anyway I looked for things I wasnt using anyway. I tried to uninstall L4D2 but it tried to launch Steam...which wouldn't run in safe mode so all that did was lock me out of A/RP. Windows couldnt shut down the Steam program so when I went to restart windows, even in safe mode, wouldnt shut down properly. So I hit the reset button.
Windows came up and promptly crashed again. So...back to safe mode.
This time I didnt do much of anything. I copied a bunch of icons off my desktop...dont know how it would help but I was thinking "Its crashing during load, maybe its trying to load too many icons or something?". Anyway, I was able to do a clean restart from safe mode and the regular mode came back up. So now I'm thinking...maybe thats it? Because thats what I did last time it worked, I was backing up stuff in safe mode and then did a restart and it came back up fine.
So maybe its not hardware and its some weird windows thing. I should probably reformat and reinstall XP. Or pick up W7.