90% of users will see no difference between Pro and Home.
From
this article (note the article is incorrect about multiple monitor support):
- Backup?XP Pro has the standard Win2K backup program; XP Home has no backup program.
- Dynamic Disks?XP Pro supports dynamic disks; XP Home doesn't.
- IIS?XP Pro includes IIS; XP Home doesn't.
- Encrypted File System (EFS)?EFS debuted in Win2K and lets you encrypt files on an NTFS partition, a very useful feature for mobile machines. XP Pro includes EFS; XP Home doesn't.
- Multiprocessor?XP Pro supports up to two processors; XP Home supports only one (as did Windows Me/Win98).
- Remote Desktop?XP Pro adds to Remote Assistance by letting any machine running a Terminal Services client run one Terminal Services session against an XP Pro machine.
- Domain Membership?XP Pro systems can be domain members; XP Home systems can't, but they can access domain resources.
- Group Policy?XP Pro supports group policies; XP Home doesn't.
- IntelliMirror?XP Pro supports IntelliMirror, which includes Microsoft Remote Installation Services (RIS), software deployment, and user setting management; XP Home doesn't support IntelliMirror.
- Upgrade from Windows Me/Win98?Both XP Pro and XP Home support this upgrade.
- Upgrade from Win2K/NT?Only XP Pro supports this upgrade.
- 64-bit Support?Only XP Pro will have a 64-bit version that supports the Itanium systems.
- Network Support?XP Pro includes support for Network Monitor, SNMP, IP Security (IPSec), and the Client Services for NetWare (CSNW); XP Home doesn't.
Also things like gpedit.msc and tasklist.exe (although tasklist.exe can be downloaded, IIRC). If you don't know what something is on that list or why you'd need it, you'll don't need it.
For me, I'd go with XP Pro. For nearly everyone else I know, XP Home is good enough.