<<
<< I am trying to clean off win xp, and put on win me (long story) >>
Yeah, with XP's boot record, you won't be able to install "previous" versions of windows without fdisking the master boot record first. XP apparently recognizes every other Windows version as a "previous version" and won't let you install. >>
Well... not really.
The issue isn't the boot record, it's the partition table. (Which, to be fair, is part of the master boot record.) In the partition table is a filesystem indicator. If the filesystem is NTFS, Win9x can't use those partitions, so those OSes simply ignore those partitions to prevent you from accidentally deleting your data on those partitions. You need to FDISK and delete non-DOS partitions to get around it.