All NT based version up to Vista used a 2/2 split on user/kernel. Kernel rarely needs that amount. Vista and later (and can be set on earlier) use a default 3/1G for user/kernel.
32bit can address 4G ram (assuming no PAE, which desktop style boards are unlikely to support). On a modern system, video window, roms, device memory maps, acpi tables and so on take between 500-800Mb, leaving a maximum of between 3.2 and 3.5G of your 4G ram usable. Which is precisely why its not worth fitting more than 3G RAM to a 32bit Windows - those companies proudly annoucing 4G ram installed on their systems, thats eith their technians are stupid, or pure 'big number' marketing.
64bit can obviously address more. However, 64bit OS and apps use the memory less efficiently (space wise), so otherwise identical 32 and 64 bit systems, the 64bit will use noticibly more memory to run. So a 4G 64bit system isn't really much better than a 32bit 3G system. Obviously, if you're gonna plough in 8G or so, 64bit makes sense (assuming your drivers are available).
Completely aside, I have a nice i7 based Xeon server in my living room (much to Mrs TheBoy's annoyance) that takes up to 72Gb per physical processor, and it takes up to 2 processors. Wonder if its owner would notice if I swapped it for the OOF server
