Interesting article from March 8th 2009
Windows Vista 64-bit computing
By the way, have changed to NO PAGING FILE (switched virtual memory off) and according to everest, my RAM usage has since then risen from approx 25/35% to approx 65/75%.
Looks like finally my RAM has been assigned a purpose to and having switched off the indexing service, my HDD was already much calmer. But turning paging file off ... I cannot hear my hard drive working anymore cool.