Disable virtual memory then use system... if any apps complain, re-enable VM. There's no point in setting a very low amount of VM as an upper limit, if it's enabled then leave it 1GB or larger.
It is false that there is no reason not to disable VM if you can, because if it is enabled windows will allocate space to it, the system continually pauses waiting for the must slower disk subsystem to write out (even a few bytes of allocation that is never used is much slower than only waiting on real memory).
Windows is not "meant" to have virtual memory, virtual memory was just a feature allowing less-endowed systems to run more demanding applications, and a way to make it run, have sales for MS. It's a great feature to have if you need it, and a great feature to disable if you don't.