So if you have or need more than 3GB of memory then you need 64bit windows idealy.
There is a get around, and that is PAE which is a technique to allow a 32 bit setup to address beyond the 4GB limit (but its a work around rather than an ideal)
Can I add my 2p to that?
Due to larger data structures with 64bit, it only really pays off (if you need all the memory) beyond 4Gb. Most 32 bit systems are in the region of 3.2-3.5Gb useable (except my works lappy, just checked, 2.9Gb useable, that's the lowest I've ever seen

). If you don't run out of RAM, there are no real performance benefits to either. 32bit drivers used to be more mature, making the jump to 64bit more of an ordeal, but that's mostly resolved, as to get on MS's HCL you have to provide 32 and 64bit drivers, since Vista.
Most consumer PCs are 64bit now, purely for marketing reasons - bigger must be better.
PAE is a workaround, and generally only implemented on server and workstation class machines, but did work very well for years, until 64bit Windows/Linux became the norm. That said, back then we were talking of servers with a quintet of 32bit single core CPUs and 16Gb RAM being the mutts nuts. Today, 4 64bit CPUs with 12 or 16 cores, paired up with 512Gb RAM per blade is not uncommon, and a pair of multicore CPUs and 256Gb blades are the norm.