95 + 98, same as ME [all part of the 9x series] are based on DOS the same way.
None of them can load without the good ol' 16-bit DOS layer.
Try to remove IFSHLP.SYS from ME, see if the UI loads. I'll save u the trouble, it won't.
They all use the DOS memory scheme [conventional, upper, high + extended] the same way.
The only improvement ME came up with was the new [at the time] WDM/WHQL driver model taken from 2000 [*.SYS drivers instead of *.VXD], and later on adopted into XP + 2003. Longhorn will use an even newer drive model.
Moreso, try to delete IO.SYS, COMMAND.COM +/- MSDOS.SYS, 9x can't even boot.
1 of the few changes they made to ME in order to mimic the loading style of NTx, was the inclusion of HIMEM.SYS as part of IO.SYS. Yes, u can delete HIMEM.SYS from ME, but that's called faking it, because the HIMEM model is identical with 98 FE + 98 SE.
Just because MS disabled [read "hid really well"] the native MS-DOS mode, that doesn't make it so.
Just apply 1 of the available real DOS mode patches:
http://www.mdgx.com/dos.htm#MEto the ME system files, and you'll have full DOS mode back.
The usability of RAM is restricted by the 32-bit X86 CPU, which can address a maximum of 4 GB of memory [virtual address space] and up to 128 GB [physical memory space], divided in 4 MB [4096 KB] blocks.
64-bit CPUs can address up to 16 TB of RAM [virtual] and respectively 128 TB [physical].
Further restrictions exist because of the ancient MS memory model implementation [in Windows they call it VMM = Virtual Memory Manager], which in 9x series can address only up to 2 GB [theoretical limit], but in reality this is only 1 GB or in rare cases 1.5 GB [practical limit]. This is because 2 GB out of 4 are reserved for the OS itself, kernel, core, memory management + disk swapping [file paging], and only ~ 2 GB are available to programs, minus ~ 1/2 GB reserved for HD + video hardware.
User resources are an entirely different matter.
These are globally called "system resources", and consist of two 64 KB blocks of memory Windows allocates to programs/processes/TSRs for tracking purposes. 1 of these blocks makes up the user resources and the other [as u probably guessed] makes up the GDI [Graphics Device Interface] resources.
Neither of these have anything to do with real memory, a.k.a. RAM.
Resources are only place holders [pointers] for programs [dialogs, icons, bitmaps, cursors, menus etc] + hardware [keyboard, mouse, printer, VGA card etc].
If you wish to know more on these subjects, MSKB, MSDN + MS TechNet offer plenty.
I've been using all MS OSes + environments [that's what the 3.x series are actually] starting with DOS 5.0, and played around with ME for almost 2 years until I went back to 98 SE. And I have to say ME is overall one of the most troublesome MS OSes.
ME should have been released for what really is, just a patch to 98 SE.
Just because u [and I and a few others] didn't have many BSODs, that doesn't make ME a reliable OS. Take for example the hordes of users who felt like throwing their computers out the window just because ME blew up on them. It all depends on the hardware and driver compatibility.
If you care to classify, the best MS desktop OS to date is XP Pro in both 32 and 64-bit versions, and the best MS server OS is 2003.
But in the server world, many people trust the NIX/BSD models better.
In the end, it's all a matter of opinion.