Hey, welcome in the Group! There are many ways of running FAH, 4 instances in 4 seperate folders being one way. Another would be to use the SMP Client. Another would be to install VmWare, install Ubuntu in 2 virtual machines, and have the Linux SMP client running in both VMs... then you'll still be running (close to) 100%, but with way more points.
As for running other apps while folding, it depends which. I'm typing this while folding on one of my Quads, with Outlook and IE7 open - no lag whatever.
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