your sentences don't really make sense to me
first you asked:
Whats the max you can have in a 32 bit home system jim? those links say otherwise.
they say otherwise to what exactly?
the max you can use without PAE is 4gb minus the address space required for your devices
a single cpu, vista ultimate or xp pro (non serve editions) 32bit. Read those links yet that explain all of this?
yeh they're pretty clear on exactly how much memory you can use for each of those os's - 4gb for both, with the following caveat also quoted from the same msdn article:
Limits on memory and address space vary by platform, operating system, and by whether the IMAGE_FILE_LARGE_ADDRESS_AWARE value of the LOADED_IMAGE structure and 4-gigabyte tuning (4GT) are in use. IMAGE_FILE_LARGE_ADDRESS_AWARE is set or cleared by using the /LARGEADDRESSAWARE linker option.
Limits on physical memory for 32-bit platforms also depend on the Physical Address Extension (PAE), which allows 32-bit Windows systems to use more than 4 GB of physical memory.