Live State was the one of the first things I looked at, but I don't think it supports Win98 or backing up of SQL Server, Exchange etc. on my SBS Server.
I'm still a bit unsure about Win98 on Backup Exec. The docs referred to above say that Win98 is supported, but some posts here say Backup Exec doesn't work with Win98.
Win98 aside, I'm not sure if I need additional options beyond just Backup Exec for SBS, if I want to be able to do full system backups of my SBS Server AND my XP laptop, and also be able to do a bare-metal restore of the Server, and the XP laptop.