Hi VideoBruce,
If the games you are reffering to are Win16/32 based I can almost guarantee that the file system is not the issue. However related to the file system could be security restrictions or a virus that write protects a whole drive. In general you are invariably better off if you try installing as administrator. Games written between 1995 and 1998 may and or may not display informative errors about security issues. Just make sure you have administrative rights and then you'll have a legitimate reason to complain when things brake. Users by definition are not supposed to be able to install things, they are simply supposed to "use" the software that's installed. I for one was pissed when MS made their Windows Installer allow users to install software. The first and most famous example of the Windows Installer would be Office 2000 (which by the way has a horrible installer and patching system). That should never have been allowed, because it essentially broke the previous standing definition of user and also made it harder for administrators to keep a tight leash on installed software.
Adios Bruce,
Christian