Here’s a Unicode font that covers Cherokee, Hebrew, Greek, IPA, Cyrillic, and Latin.
It’s a full set TTF with italic and small caps available.
The Marin font is downloadable here: http://web.meson.org/write/fonts/mine/gallery.php
Oh, wow! I had been wondering how you got your pretty Cherokee letters on the computer. I figured you drew them! 
I had previousy thought that, among MS systems, Unicode only worked on Win2000 and subsequent, but it actualy works on my computer running on Win95.
Marin is free software. Another great free Unicode font series is found at languagegeek.com The Language Geek Aboriginal TrueType fonts also offer support for Canadian Syllabics.
There is only OS support for Unicode on NT, Win2000, XP, and Server 2003, yes. However, programs can implement Unicode themselves, and you can use fonts with the full Unicode charset within a given code page even on 9x.
For full Unicode support, especially in the area of using multiple languages concurrently or exchanging data between apps, you want one of the OSs with formal Unicode support.