closest i can get you is this theme and collection of scripts for the XFCE desktop https://github.com/grassmunk/Chicago95

ive used it in the past for my own nostalgia purposes and it does re-create the effect pretty damn good, though it does get funny sometimes when you throw in non-GTK apps (or if they have the extra thick title bar, GNOME style, (god i hate GNOME))

another option in a similar vein is nsCDE https://github.com/NsCDE/NsCDE which attempts to re-create the CDE desktop look-and-feel from 90s and early 2000s UNIX workstations

ive used this one too and the paradigm shift in how to use a desktop can definitely be felt if you've only ever used windows-style environments. it takes some getting used to but the aesthetics are very nice

That ReactOS pic is definitely a neat design, seems to be pretty similar to what you wanted

If there was a desktop environment for Linux that replicated Windows 95/98/ME faithfully I'd install it in a heartbeat.

The best DE is Trinity, which is a somewhat obscure DE. In the simplest terms, Trinity is to KDE Plasma what MATE is to Gnome. The flagship distro that uses Trinity is Q4OS, a Debian-based distro.

Here's some samples:

https://youtu.be/6WIHjEzHLDo?si=BcT8Y9PpSlGXFrjZ&t=137

https://youtu.be/p3LZYkFt_mg?si=2E-jiQ5j8yiETQhG&t=911

I would say that Q4OS could replicate 95/98/2000 pretty well, but it really shines in replicating XP.

I interpreted this wizard as having custom gender