I just ordered a PB w 2gb ram - from Apple as it was cheaper than Crucial - if you're buying a whole system. I'm a big photoshop guy typ working with hi-rez files greater than 700mb... I need it. Based on my PC experience, I'd say it definitely makes the system seem a bit snappier. I think having more ram also helps if you multitask a lot - 10-15+ apps running at the same time.
However Disk IO is also important. I try to run everything off a fast external drive. That's why I'm hoping the new LaCie Biggest FW800 RAID 5 Array coupled with the amt of ram I've got in this pup will enable me to use it as a desktop replacement for a while - before i pickup a G5 PowerMac.
In the end, if you're just doing MS Office, surfing the web and checking e-mail, it's prob overkill.
My 2c
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