About the requirements of security for W32.

I understand that security is very important, but does it really matter

when 1 person wants to test his own app on his own PC(witch is not
connected to any Network).
I can not test any of my app with PostgreSQL because it will not install
on my WinXP(No NTFS).
It requests: NTFS, separate user and so on. Why?
I have only 1 PC, I do not want to switch from FAT32(I would loose all
my valuable data, and for compatibility with Linux) and in consequence I
cant test out PostgreSQL.
You would say to hell with Win use Linux ,but there is a problem of
testing Win apps on Linux.
It would be great if there would be a command line switch that would
overwrite some requiremnets(atleast for Win32 MSI Installer).