What exactly did you mean by "out of place for a budget"?
The 64 bit OS does not use memory in an economical way.
If you do not ad more memory it will crawl like turtle. Most, if not all, of the free stuff is 32 bit.
Using a 64 bit OS is justified on a huge database or application that needs more that the 3GB limit of the 32 bit system. Otherwise, having 64 bits available for a typical low budget application has no value.
OK, if you are running a internet server, it matters. But for personal use it is of no value unless you use an application that
really needs a big address space.