I can tell you right now 64 Mb's of RAM is plenty for most thing's and contrary to what some people would have you believe more is not necessarily better. Lot's of RAM is nice if you run some big programs but for the most part your average user has easily 50% of their system resources free (and usually closer to 80%) It's not so much how much RAM you have as how efficiently it's being used. Window's doesn't do the greatest job of handling memory to begin with, but to make matters worse......because so much RAM is available programmers seem to be getting lazier in how they handle it with their programs.

One of the problems that causes slow down's is window's poor handling of the swapfile. There's a tweak I found on this site that I use and find it helps a lot to avoid too much slow down by forcing windows to use the RAM before going to a swapfile. Just open your system.ini scroll down to the [386Enh] section and add the line:
ConservativeSwapfileUsage=1
This is a nice little tweak because it forces windows and other programs to use RAM first and the swapfile second. It may not seem like much but if you consider that RAM is still faster than a swapfile......and with less swapping the programs in the swapfile in and out of memory it has to help. I like to listen to music a lot while I work and I use winamp......which is a memory hog. Prior to using this tweak it used to stutter and pause whenever I was doing something memory intensive......it doesn't since I used that tweak.