in using a 64bit machine if you don't run any applications that will benefit as a result. That's why many business systems are 32bit - there's nothing much to gain from moving to a 64bit platform if you're just using Microsoft Office and email.
I am in a similar dilemma. However it seems to me that the main advantage of 64 bit is the possibility of having and using as much RAM as the motherboard will allow whereas 32 bit only can use 3.75 Gig RAM. Photoshop CS4 with many layers and open files can be RAM hungry, and although I am not a gamer, I believe they need as much RAM as possible.I suspect home machines with 64 bit are aimed at gamers.
i have used 64 bit since vista, because it's been around for a while now and this pc is used for gaming, used 64 bit 7 since beta, never had a problem. i have always been a bit unsure why 32 bit is still being worked on, older hardware maybe?
I bought the W7 family pack upgrade which has both versions and I've installed the 64-bit onto my Desktop for the first time and 32-bit onto my notebook.
It's the first time I've tried 64-bit and things seem to be working fine, all the programs I used with 32-bit work, perhaps with the exception of the really old ones.
The only trouble I had with drivers so far was networking my printer, the 32-bit notebook couldn't find drivers for the printer set up on my 64-bit desktop, I rectified this by installing the relevant printer drivers on both machines then used Add Local Printer instead of Add network printer from Devices and Printers, created a new port and entered the location of my printer from my desktop PC.
From what I've read 64-bit is not required so much at present, no applications take full advantage of it, either with the extended memory it offers or in offering more speed. But I believe it will become more important as time marches on and newer hardware and software is released and requires it.