Ok, the problem is simple. 32 bit computers using Windows XP and Vista can not utilize full 4 GB of RAM. I understand that while you can get at least 3 GB of RAM and the rest can be used for devices, but answers from people are inconsistent.
A general philosophy on whirlpool.net.au (Australian IT community) is that the BIOS set restrictions on how much RAM that can be used for OS and the rest are just there...
To use more than 4 GB, you need a 64 bit computing OS and sometimes with the right mobo and with the right firmware you can remap the memory allocations etc...
But that doesn't explain the fact that Linux 32 bit systems can use as much as 32 GB of RAM while still subject to BIOS.
What's the answer here? :/