"But, it kills me that we pay over $200,000 for medical school, and then trust our practice to a $500 Dell and XP Pro."
......Perhaps because the return on investment of our $200,000 education is pretty crummy

Seriously, Bert, no question you are right. IF COST WERE NO OBJECT, the server would be a total no brainer. BUT I have essentially no IT costs now, and I can troubleshoot just about anything that happens, PC or networkwise. I am not going to try to set up a server, so we would have hardware and IT costs. And we would be dependent on a tech for problems.
In our area, it is hard to make a buck in Family Medicine. Several local practices have left the area over the last few years. Our health insurance costs have had 35-40% increases both of the last 2 years. I am really wondering if we have more than a year or so in solo practice. Not to mention 1 kid in college and 2 in high school....
So I am not just being cheap on general principle. Finances are REALLY tight.
I will try Berts suggestion for "server emulation" next, and then either replace the wireless router or switch.
Thanks again for all the thoughtful comments. Gene