Loading Service Pack 3 (SP3) on Windows XP Home edition can be challenging, especially when encountering an "Access Denied" error. Suggested troubleshooting steps include updating and scanning with antivirus and anti-spyware software, clearing temporary files, running CheckDisk and defragmenting the hard drive, and temporarily disabling security software before attempting the update again. It's also important to check for hardware driver updates from the computer vendor, as certain drivers may conflict with the SP3 installation. After making any registry modifications, a reboot is essential to apply changes before retrying the installation. Attempting the installation in safe mode may help, but it is generally not recommended due to potential system call issues. Ensuring administrative rights during the update process is crucial for success.