Quote:
Is there anything in Windows itself that would load a driver during login


Not that I'm aware of, but I could be wrong.

A thought: Windows does allow you to debug it over a serial cable. You'll need to add the /debug switch in boot.ini, and run a kernel debugger on another PC over a null modem link. I'm not suggesting that you get your hands really dirty, but you could use this to (hopefully) get a log of what drivers are being loaded when, even after you're in the GUI.

See this list of debuggers, and this page for the boot.ini switches.
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-- roger