For the normal user, there's probably no point. I picked up some PC2100 DDR from Crucial (which came out $39.59, which is actually cheaper than the $37 since tax was included), and the jump from 256mb to 512mb didn't really make much difference for me, but then again, I haven't ran photoshop since then either. I have, however, turned my swap off. Boot time seems to be a tad shorter, but that's it.
Edit: To get this price, check the hot deals area for a 15% off link, then in conjunction with the $10 off coupon, it'll come out to be around $36 or so. And then tax in San Diego was 7.75%, which brought it to $39.59 for me. The shipping was fast too! I ordered monday evening, and the ram arrived wednesday afternoon.