I'm gonna give an example, maybe i'll be clearer, at the same amount of ram, let's say 2gigs, 2 sticks of 1 gig each will always be better than 4*512. The first athlon64 cores, the clawhamers/newcastle couldn't handle 4 sticks of ram @400, the memory controler didn't support that. The latter revisions improved this, but now A64 can't run 4 sticks of ram at 1T memory setting wich gives a serious penalty in games. Besides 3 gigs of ram brig no benefits in games, but you will be forced to use 2T setting and the performance would degrade.
Win x64 or any other OS that uses 64 bit (I suppose Vista will) simply eats twice as much ram. 64bit is twice 32bit, it's as simple as that. So, since XP+BF2 sees improvement when passing from 1 gig to 2 gigs, under XP64+BF2 you may see an improvement from 2 to 3 gigs. However i doubt it, since your memory will still work on 2T, so the possibe benefit would be small, so the memory controller will slow it down, not the OS.