Here's my 2cents and 2 pounds of salt.
Moving to a 64-bit Win7 isn't really a problem, unless you have some ancient or unpopular hardware that doesn't have drivers for 64-bit Vista or 7. I haven't had trouble yet with the typical apps such as, Firefox, Opera, Flash (32-bit), ATi's 64-bit drivers, MS Office 2k3. The only real problem I have with Win 7 64-bit, was when to my horror I discovered that my printer didn't have a Vista 32 or 64-bit driver.
Here's a scenario, what if Firefox, Opera, Chrome, MS Office, other Anti-Virus apps, FLASH, etc suddenly release their 64-bit apps and prove that they perform at least 2% and 10% on average faster than their 32-bit counterparts? What then with 32-bit users that have 3GB of RAM, are they screwed and need to reformat and reinstall just because they believed habitat whole-heartedly?
Win 7-64 is here, it is available, it doesn't have performance penalty, most of the apps you use would work, it functions still pretty much the same, popular hardware makers have their drivers available, so why not?