Here is a sort of update...
I have a back up PC that has Window ME on it... it won't run decal at all...but...
I was getting out of memory errors trying to run just AC
with 1 gig RAM and 256 Nvidia Card!
So I went into my sysedit and did a little memory management!
I won't go into detail right now... but basically I set cache usage to 512MB! Leaving me 512MB to run other applications etc...
Rebooted...
BINGO!!
Game looks Awesome at full settings... no lag, no video stalls, no visual artifacts, no crashes, no out of memory messages, no lockups and it runs as smooth as DM ever did before TOD!
If I could run decal with this setup... I would use my system commander and reload Windows ME on all MY PC's!
So my current conclusion is, AC is totally fragging memory management with Windows XP!!
Way to Go Turbine!!