And recognise that, however much we may like it, Windows 95 may not

have support for Ogg.

Neither does it for MP3. As far as I remember, Windows 95, 98, Millenium, 2000 all need third-paty software, such as Winamp, installed, in order to play MP3's.

Interestingly, the full install of Winamp plays OGG's.

Libraries, schools, offices and many other places prohibit software

installation without permission and we probably don't want to bar those users from our content,

Libraries, offices etc.. also often prohibit users from playing sound and/or do not provide sound cards.

Granted, some of those libraries may have installed some older audio player (an old version of Winamp), or a reduced version, and may not be willing to upgrade it.

nor third world or poor users who may have older equipment.

Which probably cannot play MP3 either. Again, if this is a question of equipment, I think that a 486 cannot play MP3 or OGG, and most Pentiums should do fine. This is more a question of software than a question of hardware.