End users don't need 64 bit yet. Never seen a home user having to work with files of that size.
(So most things he does is whinging in boards "why does my application not start in 64 bit mode?" ...)
You don't need a 64bit CPU to handle huge files - it just makes it easier to do so with memory-mapped files. There's home users authoring their own BluRay discs...
Ah, yes, 8 GB RAM. 6 of those will never be used anyway, but who cares ...
Oh really? Depends on how many applications you run. Also, on a 64bit OS, 32bit applications (the ones marked large-address aware) can utilize full 4GB of memory, WoW64 doesn't have the 2:2/3:1 memory split that 32bit Windows has.