XP Home Edition SP2? The only "good" XP is XP Professional. Why did you save a few bucks on the wrong end?
As for Vista, the only "valid" options would be either Business Edition or Ultimate. (Which are also the only ones that you are allowed to run in a VM, by the way.) If Vista is your only OS, then you want to go for Ultimate. If it's only the second system or if you are sitting in an office at work, then the business edition is perfectly fine. And yes, it also comes with Chess Titans and Media Player. ;-)
As for Vista, the only "valid" options would be either Business Edition or Ultimate. (Which are also the only ones that you are allowed to run in a VM, by the way.) If Vista is your only OS, then you want to go for Ultimate. If it's only the second system or if you are sitting in an office at work, then the business edition is perfectly fine. And yes, it also comes with Chess Titans and Media Player. ;-)