The difference is mainly speed (54mbps versus 11mbps). Both are faster than broadband internet, so it's not an issue except for LAN file-sharing.
With pre-XP there's often the need to manually renew your IP address when you connect to a new network, and maybe some other stuff; all should be acheivable through the wireless card's provided software. XP is a little better at managin netwrok connections.
If there are special steps needed to connect to a network (my university has this) then instructions would naturally be provided.
Edit: 802.11b cards can be purchased extremely cheap (mine cost $20 Canadan, with no rebates, and no shipping costs, and I've seen them even cheaper than that). If it's needed only occasionally, I would definitely save the money by purchasing a 'b' card. For a home network it would be worth the extra money to get 'g'.