I have been running with 4x1gb on 32 bit Vista for about 3 months now, with no problems other then windows not seeing more then 3.26gb. For games like Battlefield 2142, there is a noticeable performance boost with 4gb installed. With 4b, I can alt-tab out of the game without it crashing, maps load quicker and it is generally smoother.
For day to day operations, you won't see much an improvement running 4gb on a 32 OS but certain games do benefit from it.
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