ok. i've fixed it - i'm insanely happy; time to backup!
what I did was booted from my xp pro cd. went to the usual screen where you choose the directory/partition to install the os but my old one was there so I hit r to repair it.
It copied a bunch of files like usual, but when I reset it went to the windows xp installing screen (scared the hell out of me). it was on the 'installing' step and it installed a bunch of the core/usual stuff and i had to put my cd key in again.
after it was finished i reset and lo and behold, my old usernames were there, and when i logged in, it was all normal, except i had sp1 installed :/
i'm going to install sp2 through Windows Update and not do anything like I was last time.