That modest RAM footprint was one of the reasons SampleTank 2 was so popular. If someone isn't into sampled instruments in a big way, e.g. they are mainly recording audio, then 32 bits need never be a limitation. At least, not until the day comes when some must-have plugin is offered only in 64-bit, but that day is still years away.
Kev, it's actually a good thing that ST3 is 64-bit only, as that'll save you from making a purchase you might regret. I bought ST3 on the assumption that a) it would be like ST2 only better, and b) I could continue to use all my ST2 libraries. I was disappointed on both counts.
While running as administrator is generally frowned upon for security reasons, the risk is very low when
specific trusted programs are run as administrator. For malware to exploit that practice, it would have to infect sonar*.exe or a DLL that SONAR calls, most of which are protected system files. Nobody's going to write a virus and name it Dimension Pro.dll.
BTW, SONAR still runs fine on XP.