Im not gonna bother reading the replies but this will be the main difference.
In ANY 32bit operating system, much like the XP version you are running, NO application can address more then 2GB of RAM at any time. You have 4GB. Meaning no games you run will ever, ever, ever utilize the $60 or so worth of extra 2gb of memory you have. You also have 2 SLI'd mid-high range graphics cards. Without looking at the specs on those cards, I'm assuming they are both 512mb memory. All of the ram on your computer (From RAM sticks to GPU RAM to motherboard cache) is tallied into the 32bit restriction of 4gb total. If you right click "my computer" you're computer probably only reads that you have 2.5-3gb of ram in spite of the fact that you actually have 4gb of physical memory.
What all of this means is that you've fallen for the common phalacy that XP is the second coming of christ and is way better then any other OS. When in fact, you're not even utilizing half of you're hardware efficently. By upgrading the Win 7 64bit, you're applications will be able to address ALL of you're RAM, and you will be able to utilize DX10 with those GFX cards (Not that that is anything special lol). If you're afraid to upgrade to Win 7, do it anyways. There is a 64bit version of XP. Don't bother with this. You will regret it later if you do. XP will lose M$'s support soon and you will be boned owning a NEW version of an OLD OS thats not supported.
Win 7 works great. Anyone trying to tell you otherwise is probably a console fanboy, or should be one. Just my two bits.
Good luck.
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