To do this for Chrome, all you need is the popular Stylus extension [1] and OP can upload it to userstyles.org [2] for even more convenience (don't need to download a CSS file).
Also to be even more Windows 95-ey I recommend making the top links (new, past, etc.) look like a tab bar! (I really like the way the footer links look like a status bar.)
If you don't want to install a 3rd party extension (maybe it seems like too much of a risk for such a frivolous purpose), then you can make your own. Just download hacker95.css and create a file called manifest.json in the same directory with these contents:
Word of warning about userstyles.org: this site (as well as original "Stylish" browser extension) is in hands of some kind of PR agency that made some very questionable changes in the past and neglects this product now.
If you don't want to install a 3rd party extension (maybe it seems like too much of a risk for such a frivolous purpose), then you can make your own. Just download hacker95.css and create a file called manifest.json in the same directory with these contents:
So my anti-procrastination setting kicked in just as I made this comment and now I can neither edit it or delete it. I made the same comment again with proper formatting of the json file.