The issue is not and never has been "no currently available 64 bit apps for the desktop" or "the current hight cost of high capacity memory". The issue is "are you willing to bet that 64 bit apps and lower cost memory will not be available in the planned life-cycle of the computer that you are buying".
Intel is making this choice for their customers and AMD is giving customers a chance to make a choice for themselves.
Assuming that the costs and 32 bit performance of the two systems are basically the same, the choice appears to be a no-brainer. AMD is basically giving customers 64 bit insurance for no additional cost.
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