I dont see how the 64-bit vers is more stable than the 32-bit vers. If anything, it’s probably the other way around. I very rarely get a crash in 64-bit, but prior to using 64-bit, I never had a crash. And there is something that the 64-bit vers has that the 32-bit vers does not, which can cause some instability - the bridge.
But I do agree the RAM is the biggest thing of all.
Cheers.