I am surprised you didn't mention the big reason why people use 64 bit operating systems. So that they can address more than ~4 gb of memory.
I run a laptop with 6gb of memory that dual boots vista 64, and xp 32. Only vista can address all the memory (including the video card's memory), while xp can address a little over 3gb of the system memory (and the video card memory too).
This is probably the most common reason why your average home user will use a 64 bit os.
PS I have encountered several programs that will not run in emulated 32 bit mode.
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