Accommodating 4 gigs of RAM can be tricky, as you'll have to make a decision that will be a compromise on some issue. The posts in this thread are correct about 32-Bit Window's limitation in seeing four gigs of RAM. With a 512 Meg graphics card, you'll likely see no more than 3.2G. Yet Vista x64 is a monster all its own, with additional compatibility and performance issues that still need to be worked out. Fortunately, Vista x64 is worlds better than XP 64 in the compatibility and performance arena, thanks to Microsoft and vendors treating it as a first-class product. XP 64 was an odd duck indeed.
However, I believe that for 32-bit Vista, two gigs of RAM is absolutely fine. Vista is still new and immature, and no amount of RAM will make up for the performance loss one will experience with immature drivers and software that hasn't been built (or rebuilt) to fully fit with Vista's new underpinnings.
I have a Vista x64 system with four gigs of RAM, two 8800 GTX video cards, and an E6600 CPU overclocked to a stable 3.6 Ghz, and while the system is sickly fast, certain programs (like iTunes 7.1) are not as smooth as one might expect, and gaming performance isn't great in certain games (like F.E.A.R) that just run slow on the new OS. For better or worse, I have reasons beyond gaming to use Vista x64, and I can only hope that my programs will "grow into" the OS sooner than later.
As for the RAM, my old system (a P4 Northwood-C 3.0Ghz) had two gigs and Vista ran perfectly well and smooth where it could. Was it as fast as XP? Not really. Did it slow my system to a crawl at any point? No. Did the RAM impact the performance delta between the operating systems on my old PC? Maybe, but very little. Surely the four year old processor and motherboard had a greater impact.
Keep in mind that in 32-bit Windows, a single program can only utilize up to 2 Gigs of RAM, so you will see no performance increase in one single program or task. The extra gig will be helpful only in multitasking and in Superfetch, but I found that with even 2 Gigs, Superfetch worked like a charm. By buying two gigs now, you don't have to worry about DDR speed decreases. Plus, you'll have two open slots to add more memory when x64 matures. However, if you're set on adding four gigs now, I would strongly consider Vista x64. Otherwise what's the point?
Good luck,
Mark.