To secure while off
Novell on top of W95 with booting from disk disabled or even a bios password if you're desperate.
To secure while idle
Screen savers are quite affective...
To secure while active
This security is determined by whatever software you may be running to disable stuff. Also, I've seen NT policy restrictions placed upon Win98, not on 95, but what's stopping ya if you can on 98?
And you said quote: "I've never been on a windows system I couldn't hack."
That must include Win2k and XP as well with all their security restrictions without ANY 3rd party software. I must say, you overestimate yourself.