Hello Joshgt2, and welcome to the forums
Theoretically 64bit can address 128GB of RAm , although Motherboards typically do not support such amounts yet.
Certain chipsets (Such as AMD) using built in graphics, will use a certain amount of RAM dedicated to graphics only.
(naturally it pulls this dedicated graphics memory from you installed RAM)
So if it is set dedicate say, 512Mb in the bios, and you have 4GB of RAM installed...
In Windows you would see something like 4Gb installed (3.5 useable)
By the same token, if you have 8GB installed, it would show 8GB installed (7.5 useable)
If you install a actual graphics card, and disable the onboard, you will gain full use of your RAM again, As a graphics card has its very own memory onboard.
hope this answers your question