JScones - the 32bit dropoff is very minor - to the point of say the app does a processing job that takes 60 seconds in a 32 bit os - the 64 bit os running 32 bit native is going to be slower by a second or so at most. You will be much happier with the 64 bit in the long run (caveat - you cannot run anything that uses 16 bit extensions as x64 offers no 16 bit support at all). Also - with the 64 bit - you at least get to use the full 4 Gigs of memory which will make up the difference for you in performance.
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