My system is very similar: Intel 2.4, same vidcard and also AGP, 1G RAM. SH3 runs very smoothly and in harbours with the full harbour traffic, there is stuttering but not so bad. Outside harbours and eg even with convoys close by, there's no stuttering at all. So I'm thinking that your upping to 3G (and I think your new RAM is better than mine) will make a big difference.
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