Explain, please? 99% of the stuff in the Linux kernel can be modules, and you can have a kernel that fits on a floppy. It's not microkernel, of course, but it shows that it's customizable. If you don't like Windows' kernel, too bad.
Most stuff on Linux is driven by applications that interface with the Kernel through the kernel libraries. X-Windows, for instance, is a program, not part of the kernel. Windows, on the other hand, stronly integrated the GUI, the web browser, and a lot of other software into the kernel, which seems like a very bad idea.
One thing I thought was funny was when an invalid animated cursor caused a bluescreen (kernel crash). There is NO way a cursor should be able to crash the kernel.