First of all, 32 bit Photoshop on a 64 bit OS won't be a problem. 64 bit OS's are capable of emulating 32 bit for 32 bit apps, but they cannot run 16 bit apps like a 32 bit OS. Also, for 4GB of RAM, upgrading to a 64 bit OS may not be worth it. A 32 bit OS will still use all 4 GB of RAM, it just won't show up in system properties and it may not be used quite as efficiently as it would be with a 64 bit OS.

Next, you do not need to buy Dell RAM. Look up the RAM on Dell's website to see how much they want for it, but you do not have to buy it if you can find a better deal. Then go to www.crucial.com and click "Scan my system." Follow the instructions. When it is finished, it will tell you what type of RAM your PC needs, how many open slots you have, how much you currently have, and it will list some RAM you can buy from them. As with Dell RAM, it may be cheaper to buy elsewhere. Go to www.newegg.com and under "Computer Hardware" select "Memory". Then, using the left sidebar, select the RAM specifications you need. From there, you can decide who you want to buy RAM from. If you get RAM from newegg, make sure you buy it from a reputable brand and check costomer reviews, as very cheap RAM from some companies sometimes has a high failure rate.

I have another suggestion. If you don't care about performance or you need a temporary solution, you may be able to correct the problem by increasing your swap file size as long as your computer meets the minum system requirements for Photoshop. More info as well as how to do it here: http://www.howtogeek.com/howto/windows-vista/understanding-windows-vista-paging-file-size/.

Good luck!

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