Don't worry about getting 4 Gigs, just get it. XP won't be able to utilize 100% of it (more like 3.25 or 3.5), but you'll be set when you get Win7.
I also second the notion, if you're planning on getting Win7 within the year, to actually pick up a 2x4GB kit, just to prepare for the future, as RAM is probably not going to get any cheaper, and might go up in price, due to the Japan earthquake/tsunami/nuke disasters. (God bless them.)
There may be a way to use 8GB of RAM even with 32-bit XP, as a RAMdisk. I recall reading about some product ("SuperSpeed RAMDisk"?) that could do that, if you had a 64-bit proc.
I have 8GB in my desktop rigs, and while the Task Manager doesn't show much over 3GB of usage, it does show that it is also caching about 4GB for additional performance, which is nice.