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Also...
It is true that you'll need a 64 bit version of windows to use more than 4 gigs of physical memory, but 32 bit versions will still be able to take advantage of 4 gigs. They can't take advantage of it for a single process, however, as the operating system reserves the top 2 gigs of virtual address space for it's own use, hence the 2 gig process limit. These two are completely separate issues: physical memory support versus virtual address space.
Does the operating system keep a portion of itself resident in memory? Undoubtedly. How much clearly depends on your machine and what software you have loaded, but having more physical memory to avoid having your programs crippled by OS overhead seems like a good idea to me.
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Chris
SVX World Network Administrator
-1993 Subaru SVX LS-L, Barcelona Red, #46, 160,000+ Miles (Sold to SomethingElse )
-2011 Toyota Sienna SE, Black, 30,000+ Miles (Swagger Wagon  )
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