I don't use xp home but I do use XP pro. I heard xp home can do what I
describe for changing security also from explorer.
make an ID belonging to guests group, say guest1.
furthermore, you tighten security on the system, changing permission to none
for guest except list folder content on c:\program files, no execute. of
course you leave guest1 home access alone.
you will have to find out what is required for the music players and make
them read and execute for guest1
I usually allow only administrators to modify program files, windows. there
are times I allow some power users to add to program files but not modify.
For data files, I usually setup up access groups, only users in the access
groups can read, change the content of the corresponding folders