A quick search of the Microsoft Knowledge Base will tell you what default background processes run with Windows.
As for your system resources being around 50% free, that's been a long-standing issue with Windows 9x and ME. If you want to be rid of "low system resources" you'll need to upgrade to Windows 2000 or XP. They handle memory differently and while you _can_ run low on resources on 2000/XP, it's not that same problem you're experiencing. In fact, the only time I've ever had problems with low system resources under 2000/XP is when an errant program is consuming all the available RAM and virtual RAM in the system. 99% of the time, I can open a ton of stuff without incident.
Someone else might explain it better that this, but upgrading to 2000 or XP wll be worth the time and money.
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