Main issue, as other said, is with updating software and hardware.
I forgot about updating/installing new softwares about 3 years ago. Had to do everything with unchanged set-up.
Fortunately I didn't need to update anything since, save for on 3d program I rarely use.
I'm a little bored of losing content because of that. But so far it's ok.
I lost the ability to watch YouTube videos, but I didn't bother installing the patches required and KerenelX etc.
I'm also bored of having to use another computer for that.
I do internet banking on a daily basis on W98SE, with two banks. But not evry bank website would allow that, I think.
I do think that in the near future, in one or two years, I'll have to quit W98 in order to enjoy full functionality for everything. But it will be with sadness...
Despite the limitations, it's still a pleasure to use it instead of W7, W8 or Vista.