First and foremost, as a developer, your machine will never look like your client's machine. Just accept that.
You will have tools and utilities installed that they won't have. That will fundamentally change the configuration of your machine from the outset. You have DLLs, applications, services, and possibly drivers installed that your users have never even heard of (and likely never will).
As far as the OS is concerned, Win7 and WinXP, despite claims to the contrary, are not the same animal. Don't believe the hype. Having said that, don't believe the anti-hype, either. Just be aware, as you well should, that any piece of software developed under one version of an OS is not guaranteed to behave the same way under another.
The short of it: Yes, it's important that your environment is different. Should you panic about it? No. Should you account for it in testing? Absolutely. As rigorously as possible.