Both windows and geos mostly relied on DOS and BIOS for things like filesystem and block device access, so for scsi disks, zip drives and similar you either needed DOS driver or just correct BIOS ROM module on the card.
This only changed with Windows 95, which still could use DOS drivers, but reliability and performance suffered in that case. Native 32bit windows drivers were built on top of Plug and Play model, which has the unfortunate feature that given device is either recognized by windows automatically or needs specific driver for that specific device (surprising amount of these "drivers" are plain text files that just map the device id onto some standard windows driver).