Just to keep something in mind :
As many will remember, years ago AMD started to announce that they were
ready for the 64bit revolution. Many sites like this started to be filled
with the question about "is it worthy to buy it now ?". Some paid
top price to be ready...and the so called revolution did not come.
Actually, the craziest thing was the fact that most motherboards back then
had only 2 memory slots and there were not 2Gb modules available at
the time. In other words, no way to enjoy more than 4Gb even though
AMD warned you to be ready for the future.
So, time has passed and IMHO regular users still do not need to worry
about it.
If you have very specific hardware/software needs you might need to
consider 64bits (do you handle clusters ? databases ? scientific
programming ? high end videos ?). Other than that, it is just the cool
factor of saying "I am ready" even though you will never use its real power.
S.