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11.) Remove any unnecessary programs and/or items from Windows Startup routine using the MSCONFIG utility. Here's how: First, click Start, click Run, type MSCONFIG, and click OK. Click the StartUp tab, then uncheck any items you don't want to start when Windows starts. Unsure what some items are? Visit the WinTasks Process Library. It contains known system processes, applications, as well as spyware references and explanations. Or quickly identify them by searching for the filenames using Google or another Web search engine.

12.) Remove any unnecessary or unused programs from the Add/Remove Programs section of the Control Panel.

13.) Turn off any and all unnecessary animations, and disable active desktop. In fact, for optimal performance, turn off all animations. Windows XP offers many different settings in this area. Here's how to do it: First click on the System icon in the Control Panel. Next, click on the Advanced tab. Select the Settings button located under Performance. Feel free to play around with the options offered here, as nothing you can change will alter the reliability of the computer -- only its responsiveness.

14.) If your customer is an advanced user who is comfortable editing their registry, try some of the performance registry tweaks offered at Tweak XP.  

5.) Visit Microsoft's Windows update site regularly, and download all updates labeled Critical. Download any optional updates at your discretion.

16.) Update the customer's anti-virus software on a weekly, even daily, basis. Make sure they have only one anti-virus software package installed. Mixing anti-virus software is a sure way to spell disaster for performance and reliability.

17.) Make sure the customer has fewer than 500 type fonts installed on their computer. The more fonts they have, the slower the system will become. While Windows XP handles fonts much more efficiently than did the previous versions of Windows, too many fonts -- that is, anything over 500 -- will noticeably tax the system.

18.) Do not partition the hard drive. Windows XP's NTFS file system runs more efficiently on one large partition. The data is no safer on a separate partition, and a reformat is never necessary to reinstall an operating system. The same excuses people offer for using partitions apply to using a folder instead. For example, instead of putting all your data on the D: drive, put it in a folder called "D drive." You'll achieve the same organizational benefits that a separate partition offers, but without the degradation in system performance. Also, your free space won't be limited by the size of the partition; instead, it will be limited by the size of the entire hard drive. This means you won't need to resize any partitions, ever. That task can be time-consuming and also can result in lost data.
19.) Check the system's RAM to ensure it is operating properly. I recommend using a free program called MemTest86. The download will make a bootable CD or diskette (your choice), which will run 10 extensive tests on the PC's memory automatically after you boot to the disk you created. Allow all tests to run until at least three passes of the 10 tests are completed. If the program encounters any errors, turn off and unplug the computer, remove a stick of memory (assuming you have more than one), and run the test again. Remember, bad memory cannot be repaired, but only replaced.

20.) If the PC has a CD or DVD recorder, check the drive manufacturer's Web site for updated firmware. In some cases you'll be able to upgrade the recorder to a faster speed. Best of all, it's free.

21.) Disable unnecessary services. Windows XP loads a lot of services that your customer most likely does not need. To determine which services you can disable for your client, visit the Black Viper site for Windows XP configurations.

22.) If you're sick of a single Windows Explorer window crashing and then taking the rest of your OS down with it, then follow this tip: open My Computer, click on Tools, then Folder Options. Now click on the View tab. Scroll down to "Launch folder windows in a separate process," and enable this option. You'll have to reboot your machine for this option to take effect.

23.) At least once a year, open the computer's cases and blow out all the dust and debris. While you're in there, check that all the fans are turning properly. Also inspect the motherboard capacitors for bulging or leaks. For more information on this leaking-capacitor phenomena, you can read numerous articles on my site.
Following any of these suggestions should result in noticeable improvements to the performance and reliability of your customers' computers. If you still want to defrag a disk, remember that the main benefit will be to make your data more retrievable in the event of a crashed drive.