First of all, It took some time to understand ur post. I thnk ur brain works faster than u hand(to type)
Drive letter assignments start from FDD with A: or B: and then the HDD starting from C: and then the our CD/DVD drivers. then comes the Removable devices like Flash Drives, Cameras(External storage devices).
A point to remember is that in case a ZIP Drive is hooked up, drive letter assignments will be in this order FDD, ZIP, HDD, and then CD/DVD.(atleast in XP.)
As we all know, usually the next available letter is assigned for the removable storage devices. So in ur case, Desktop computer shows properly the drive letter.
"To have proper drive letter assignments have all the external peripherals disconnected and install Windows. Gives very good results."
Regarding the
Safe Removal of Plug and Play Devices this is wat MS has to say:
When hardware is removed from a running system without using the Safely Remove Hardware application, it is often referred to as surprise removal, because the operating system is not notified in advance of the removal.
Surprise removal is particularly a concern for storage devices for which write caching is enabled, because when such devices are surprise removed, data loss or corruption might occur. To reduce the likelihood of data loss or corruption due to surprise removal of consumer oriented storage devices, Windows XP Professional disables write caching by default for these devices (such as cameras that include IEEE 1394 or USB storage, small form factor storage devices such as compact flash, and so on).
Although, many a times nothing is lost/corrupted, it better to remove the devices with safely remove harware icon