juz happens i'm awake and i'm trying help
first i ve never use waveterminal products b4, for giga it only reads vxd and gsif drivers, so u should be using win 98 for vxd and use its MME drivers
for SF2 u need some softs like live synth pro, or virtual sampler they both work fine
if your card supports multi clients and got GSIF then u should be able to use in XP good luck