But you can have some fun anyway!
I have 8 GB in a quad-boot machine (DOS / XP / XP / 7). I once came across a lovely article on how to create a RAM drive out of the remaining memory. At least, you can put your swap file on the RAM drive and swap to RAM. /temp and other scratch files, maybe. So you can use the remaining bit for some fun, or upgrade to a 64-bit OS.