I'm so harsh with Windows 95 here because back then I found out about other desktops (e.g. on Unix) that had better UI. Several workspaces, ability to drag windows not only by grabbing the title bar, clicking the scroll bar to the scroll place you need (instead of having to drag it all the way there), launching programs by other means than a non ending hierarchy of menus. Not to mention that anything not Windows was more stable. Also Unix/Linux was multi user and solid enough to run read services on the same machine (even if it was the same little piece of junk your Windows 98 had come with in the first place).

Exploring the world beyond Windows felt like finally seeing how the real pros do it. That is why I absolutely can't understand the starry eyed reverence people have for sorry "OSes" like Windows 95/98.

TLDR: Windows 95/98 wasn't the pinncacle of UI even when it came out, so it definitely isn't today.