ntfs vs fat32

question....

i currently dual boot win me/win xp and each drive is fat32.

i use win me to defrag the win xp drive, scan it for errors and troubleshoot when not so very often xp fails to load properly an using a windows system instead of a dos system to fix problems is much easier and more usefull.

win xp supports the ntfs file system.my question is , to the home user what are the advantages that the ntfs has to offer (performance,stability and security )???

i can only see the disadvantages...

thanks !!!

http://www.pcguide.com/ref/hdd/file/ntfs/other-c.html

heres a link that covers quite a bit of it