The short answer is that there is no way to do so directly from Windows.
Most of your requirements are met if you enable the "Passwords must meet complexity requirements" setting in Password Policies.
Complexity requirements are as follows:
A) Passwords must be 6 or more characters in length.
B) Passwords cannot contain your user name or any part of your full name.
C) Passwords must contain characters from at least three of the following four groups:
1. English upper-case letters (A - Z)
2. English lower-case letters (a - z)
3. Westernized Arabic numerals (0 - 9)
4. Special characters - punctuation marks and other symbols
These settings are hardcoded into a file named Passfilt.dll. In order to modify these settings in any way, you would need to write your own .dll file to replace the one provided by Microsoft.
Take a look at the following MS Knowledge Base articles for a little more info:
225230 - Enabling Strong Password Functionality in Windows 2000
279890 - Password Is Not Compliant with the System Password Complexity Policy
Having said all that, take a look at Password Policy Enforcer at http://tinyurl.com/l5k8
Hope this helps.