Again, I will state that I have never had any problems with Chinese named folders or files on my Win9x and Win2K systems. I agree that filenames and folders created with RichWin, Union Way, NJStar under English Win9x cannot be resolved in Chinese Win9x, but if you install those viewers under Chinese Win9x, they sometimes manage to work too.
Yes, Win2K with the Multi Language User Interface is the way to go.