Does that mean that you haven't been doing clean installs? That would be your problem!
I would suggest that you repartition your drive with a small (40 meg or so) partition at the very front of the drive. This will prevent data from being overwritten with the allocation table (a known cause for NTLDR to become missing). You'll have NTLDR and other files that are necessary to boot to Windows XP safely away from the first clusters in the drive.
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