Hrmmm...
$ zcat patch-1.3.97.gz | diffstat | grep net
.........................................
drivers/net/depca.c | 7
net/ipv4/Config.in | 4
$
I checked for other files that might have a non-obvious side effect and
there don't appear to be any. Perhaps you happened to start using
another driver (under linux or win95) such as a proprietary CD-ROM
or sound card or something at that point?
Anyway, here is what to do, even if you aren't a kernel guru.
1) Grab linux-1.3.96.tar.gz and patch-1.3.97.gz.
2) Verify that 1.3.96 still doesn't require the reset, but '97 does.
3) Read linux/Documentation/BUG-HUNTING and start testing.
Paul.