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Hi there
I'd question the 4GB RAM minimum requirement bit -- even with 2GB RAM the 64 bit version is probably the better choice.
W7 x-64 runs quite nicely on a 2GB machine and photoshop x-64 runs fine also (better than the 32 bit version).
It's a technical explanation beyond the scope of this post but running a 32 bit OS on a native 64 bit CPU DOES involve quite a bit of instruction fiddling etc etc.
It gets very techhnical and mathematical but really unless you HAVE to run the 32 bit version I'd ALWAYS go for the 64 bit OS -- and if you can upgrade the memory (it's cheap) then do it.
Most 32 bit apps will run anyway in a virtual machine so there really isn't any reason NOT to install the 64 bit OS except in very special cases where you need the application to interact with the hardware directly.
Cheers
jimbo