first XP will not automatically fdisk and format. You have to do it. Usually thru a start up disk. Yes you will lose ALL information on that drive. That's why it's called a *clean* install. You will remove everything and start with a *clean* drive. Backup any files that you want saved and restore them after the clean install!! I do this about every six months with Win ME, as do a lot of people!
The older I get, The better I was!