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#31
If it's only showing 3 gig usable then most likely the other gig is being used by hardware. You can check in the task manager, performance page and click system monitor, then lok at the memory tab to see where the memory is going.
But yeah to get all your ram for programs you need to go 64 bit. But as you found out there may be a couple of issues that you will have to work (or buy) around...