If Linux is to ever challenge Windows, the GUI is necessary. People that know how to use the backend of things are a dying breed. That means that those of us that do know our way around the backend come at a higher price. How many 20 year olds do you know that can find their way around a DOS...
It's possible that the disc your installing with has a bad sector. It's also possible that you have a conflict with your hardware and something in xp64. Double check the requirements and search on www.microsoft.com/technet for that error("xp 64 freezes on install" or some such) and possibly...
You might want to try a LiveCD distro as there are a few that will run with minimal disk space and memory usage. If you need to compare them, you could take a look at www.distrowatch.com They seem to have a pretty good selection of most of the distros.