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#11
It's a common misconception that you need 64 bit applications to run on a 64 bit OS. This is not true.
The only applications that fail to run under the 64 bit version of windows are old 16 bit applications. This can, occasionally, be a problem because even some 32 bit applications had a 16 bit installation program. But it's pretty rare to run into those apps anymore.
If you have a 16 bit application you really need, then there's always running in XP Mode.
Another common myth is that you need 64 bit apps to run well, or that 32 bit apps are significantly slower than their 64 bit counterparts.
This is only true if an an application can benefit from more registers and/or more memory. Databases, for instance, are usually a great candidate for 64 bit. Photoshop is another great 64 bit candidate (and there is a 64 bit photoshop in CS4).
Most apps simply would not be noticably faster as 64 bit, as such there is little to no reason for the authors to create 64 bit versions of them. It's just more work for the author, and twice the maintenance.
Even if you have a 64 bit CPU, you should only run a 64 bit OS if you have more than 3GB of memory. 64 bit applications (including the OS) require more memory to support the larger pointer sizes and data sizes. They use typically 50% more memory than 32 bit apps. So using a 64 bit OS with only 2GB of memory is largely wasting memory. You won't see a huge performance boost, and you will be able to do less because you will run out of memory faster than with a 32 bit OS.
So the simple rule of thumb. Don't install a 64 bit OS unless you have more than 3GB of memory and a 64 bit CPU, or if you plan to upgrade to more than 3GB of memory relatively soon.