So even Core 2 Dou macbooks, Mac Minis, etc with Intel GMA will use 32-bit kernel.
If you think otherwise you are full of crap.
Even some of the MacPros from last year still run 32-bit EFI and will use a 32-bit kernel.
Your Mac can easily use all of that additional RAM, but any single process can only use 4 GB of RAM
Here are more benefits to having the kernel 64-bit
one aspect of moving to a full 64-bit OS is an increase in system security. How does a 64-bit OS affect security? It should eliminate one of the most common forms of security threats, or at least nullify it until malware developers come up with something new. Snow Leopard, and any application that runs under Snow Leopard, will set all writeable memory as non-executable.
With ASLR, the location of an application’s memory is randomly selected from available memory each time the application is run. But since the available memory space in Leopard was limited to 4 GB, Apple ended up having to retain certain dynamic loaders that were responsible for loading and unloading frameworks, and the libraries applications need, in the same memory space all the time, which made their location easy to find and attack. With the larger 64-bit memory space available, Apple will use a better ASLR that will include randomized locations for those dynamic loaders as well.