I am having the same problem, and I understand why Don is getting so frustrated. It is not bios, it is windows OS which is screwing up. The reason I know this is because this happened to my HARDDRIVE (not computer) when I was away for an extended period so I brought my harddrive with me and slaved it in another computer. I then changed bios settings it make it the master and loaded my "computer" up. It did have to find drivers for the new hardware, but it virtually worked like the old rig. Mine windows xp stopped responding to keyboard/mouse responses after I was defragged or virus scanning, I cannot remember which I just know I left it to do the work overnight only to come back and load up the computer and get the chkdsk program running on startup. No idea what happened that night, but know that the windows os is screwed. I took the harddrive back to my rig hoping it was just a problem with the other rig and no avail same problem. Anyone saying safe mode, or any kind of windows tricks using the harddrive to boot hasn't had the problem. I know of one solution that will work, yank out the harddrive and bring it to another computer, (or put in a new harddrive and slave the old) backup your files and some settings ( do not want to transfer over the error), format and reinstall. I may go with this option soon as I am awaiting a copy of Vista from my friend. Either way, loading up with that version of Windows will just yield the same results, mouse and keyboard failure. I will try virus scanning again (no luck finding anything with norton so far), I tried chkdsk with the fix arguement (found no errors but have yet to reload the os) and lastly will check out the registry see if anything is messed up (not exactly sure how to do that from another windows)
Hopefully this gives some insight to the people who do not have this problem, and hopefully give you some idea's Don. I'll try and check up here to see if there are any results, although this thread has not been replied to in a few weeks.
Jareth