Window XP Home Upgrade

I have windows98 and want to upgrade to XP home with the NTFS file format. I have read that there is a problem with upgrading because you end up with 512 byte clusters with FAT32 conversion to NTFS instead of the 4K clusters you would get if you bought a machine with XP HOME already installed. Is there an easy way to go from Windows 98 to Windows XP home and end up with NTFS and 4K clusters? I read that the 512 clusters were ineffecient and would slow the machinge down.