choosing a motherboard

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Newsgroups alt.comp.hardware.pc-homebuilt
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Windows11 will not tolerate my motherboard because it lacks that chip.
I suspect this old machine and Win10 will outlive me, so I'm not very
serious about shopping for a pre-built machine and I'm kinda scared to
attempt a build (mostly because of the old-age frailities I've picked
since I built the last one, but also because of the money - I'm
finally fully retired now (89) and the inflation is kinda terrifying).

But.. I've been looking around a little anyway, mostly at pre-builts,
but in trying to study their components I find many modern
motherboards say they will only 'support' Windows10. That's a
deal-breaker (only one of many: no external cd rom, no front usb
ports, some seem to lack a harddrive bay???)

Anyway, like I said, I think the FIRST thing I want to consider is
whether it'll run WinXP and go from there. Do you guys have any advice
on how far back (in time) in motherboards  I must look to assure it'll
have drivers to run XP?
And of course have Win11 capability, those M sockets for ssd's, 32GB
RAM, a popup boot menu etc etc.
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