I just found that even 64 bit version of Windows 7, if on some computer whose BIOS doesn't support it, then we are back to 3.25GB RAM limitation... back to the old days of 32 bit...
Now, how can we be sure the computer we buy next can support the full 4GB instead of paying full price for that last 1GB but getting 0.25GB out of it?
I think one method is that if that computer lets you choose to have 6GB or 8GB or 9GB (such as the case of some desktop like Dell's XPS 9000 which you can configure on the net), then in that case, you can be sure if you buy a 4GB machine, then it most likely can support the full 4GB -- otherwise it makes no sense to sell you the 6GB or 8GB models... if they are limited to 3.25GB.
If it is an HP or Sony notebook with 4GB, then maybe it is worth it to go to a store like BestBuy to actually right click on My Computer and see the usable portion (unless the manufacturer somehow adjust that line to make it look better like in the Vista 32 bit days).