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Go with Vista 64-bit.
What most people don't know about the 4gig ram limit is that it is a total limit. Including any ram on your devices. If your vid card has 1gig of ram then windows is only going to be able to address 3gig of your 4gig of system ram.
I run vista64 on my newer systems and have no issues. You may have an issue finding a driver for an older device, but if you use newer stuff you'll be fine. You can run programs in 32-bit compatibility mode (and XP mode if you need to) so no worries there.
64 bit is the future of computers and apps, its stable enough now to not make sense to build a 32 bit system which will be outdated in a couple years as more and more 64 bit capable apps are released.
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