You can run a 32-bit app in a 64-bit OS.
Not 100% true. It only works if the OS supports it and you have copies of all the 32-bit libraries around. That means double the disk space if you try to use a lot of 32-bit apps in a 64-bit environment.
Since the only complete 64-bit OS's are certain versions of Linux, you may have to go to some Linux forums to talk about performance increases.
Anandtechs reviews show that the performance boost is not always worth the money.
So Solaris, Tru64, HP-UX, FreeBSD, etc don't count?
I'm using and Athlon 64 with regular 32-bit Windows XP. I did notice a BIG performance boost in just about everything. Pretty nice considering the CPU speed and FSB and memory bus all have the same clock speeds as before.
That's just because of the way the A64 was engineered, it has nothing to do with the fact that it's a 64-bit CPU. Infact I believe one of the biggest performance boosters isn't being touched since you're using a 32-bit OS that can't use all the additional registers available in 64-bit mode.
Given all things equal, in a 100% 1:1 comparison a 64-bit application will be the same or slower because of the larger binary size among other things. Now given something like Oracle that needs tons of memory, sure a 64-bit environment can be a huge performance gain, but the apps that will see performance gains from simply being 64-bit are few and far between.