Photoshop/Lightroom, used by a lot of photographers, will give a 8% to 12% performance gain (excluding the ability to handle larger files/memory which can really make 64bit fly compared to 32bit)
A lot of applications aren't available in 64 bit - so comparing hard, but lets be honest most applications wouldn't be noticeably a slower on a slower CPU so any gains on them would be negligable in use
I'd put 64 bit on - it means if 64 bit versions become available that give you better performance, you can use them
Ken
When arguing with a fool, pause and ponder - are they also arguing with a fool