Sean,
Right, do *not* download from your camera. Pull the card and put it into a compact flash card reader. Wal-Mart has some. Staples, too. Example: Sandisk. The quetion re: Win98 compatibility is a real one - you will have to try, so hand on to your receipt in case it doesnt work. The reader connects to your PC via USB, and then your PC sees the reader in Widows Explorer sort of like it is another hard drive. Open it, then drag the file onto your PC hard drive into folder that you set-up for the session.
Some readers are stubborn - Ive had to reseat the CF card, disconnect/reconnect the CF Reader, etc. to get it to "see" some cards. So dont give up easily if it doesnt work the first time. Also, (big hint) once you get it working, save a ShortCut to the card reader - just put it on your Win98 destop - that way, life will be easier next time.
You may need a reader that it backwards compatible with USB 1.0 aka slow speed - depends on what you have for USB.
Good Luck!
Paul