just as a suggestion, you might have better luck with either the morrowind forums either here: http://www.gamefaqs.com/boards/913818-the-elder-scrolls-iii-morrowind or here: http://forums.bethsoft.com/index.php?/forum/9-morrowind-hardware-and-software-issues/
Those boards move faster than this one, so you might be able to find someone who actually knows the answer to your question. --- Ila justicca vei cala
I remember getting that "renaming temp file" error when playing in non-admin mode and trying to overwrite a save I made as an admin. Try launching the game both as an admin and normal user and see if you can load.