OpenSUSE Install :: Create A Live USB Stick In A Pendrive With Files Available For Windows?

I've put openSUSE several times in USB flash drives. I've used the old method with dd ... and the new one with dd_rescue ..., shown in SDB:Live USB stick - openSUSE This way a partition is created (sdb1 or sdc1 or ...), with the Linux file system (ID: 83). One of the problems of this system is that all the data of the pendrive is deleted. Another problem is that sometimes openSUSE doesn't load completely and I cannot use it. And another of the problems is that even if I create another partition (for example to make the Live USB persistent and "remember" the configuration of my computer) and I put some of my photos, songs, films there when I plug the pendrive in a computer running Windows XP I cannot access the data. (What about Vista and 7?)

Other Linux distros can be put in pendrives using the FAT file system (for example W95 FAT32 (LBA), ID: c). This way my personal data or files (photos, documents, ...) can be opened from a computer running Windows XP (and the personal data is not erased when putting the Linux in the pendrive). So I would like to know how to create a Live USB drive with personal files that are avaiable for many Operating Systems, including Windows XP. Perhaps the solution is to put openSUSE in a FAT file system, or put it in Linux file system but create another partition with FAT file system (for this openSUSE should avoid the 1st partition, sdX1, that should be for the personal data, so Windows XP can access it).