Working with general home users - 64-bit is the standard.
32-bit is only used when there's a specific need for some app or driver that's not yet been updated and is known to NOT work with 64-bit OS's.
Yes, a 32-bit numbering system maxes out at right about 3.3(billion?) as the highest number that can be counted, thus an ~3.3GB max ram limitation. Now, for most general home users, 3GB is sufficient, but unless there's a specific need for 32-bit, just go 64 and kick in 4GB (or if the price is right 6, or 8GB) and call it done.