In other words Win users could have been using more than 4GB except that MS limited the use by licencing.
Of course there is no surprise there .....
Of course.
and do not forget this:
http://support.microsoft.com/kb/929605
However, to avoid potential driver compatibility issues, the 32-bit versions of Windows Vista limit the total available memory to 3.12 GB

Well they seem to manage with server releases without problems, so I guess it must not have been a huge problem.