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4GB is not a waste. XP Home can handle 2GB per process. With only 2GB, you will lose about 1/2 GB to all the resident junk that accumulates in Windows (your printer etc.) With 4GB, you can still be running your browser, even photoshop while a render is going on. (You will have worse speed performance, but not memory problems.)

Exactly right. I run a 2.66Ghz Core2 Duo with 4Gb RAM on a 32bit XP system. /3Gb switch enabled.
Poser flies compared to what I ran it on previously. (P4 3Gb with 2Gb RAM. Same OS)
My rendertime is 10-50% of what it was before my new system taking a standard single V4 scene as a benchmark.
The biggest bonus as far as I'm concerned is the number of models I can import and render with the increased RAM. I was limited to two Vicky 4's before the upgrade. Now rendering complex scenes with 5 or 6 generation 4 figures. Forget OS. Forget Graphics card. Throw as much RAM at Poser as it will take.

Expert in computer code including, but not limited to, BTW; IIRC; IMHO; LMAO; BRB; OIC; ROFL; TTYL. Black belt in Google-fu.