I suspected that your goal was a gaming rig.
1. Which version of Windows are your running?
32 bit or 64 bit?
If you are running the 32 bit version of Windows, your RAM above 3GB is just sitting there using power.
Well, if the RAM is running in Dual Channel mode, it might work with Windows the same as 3GB of normal RAM.
Next, your graphics card plays a big role in game performance. However, once again there is the 32 bit OS limitation. With the 32 bit versions of Windows, large amounts of graphics RAM start limiting the amount of usable system RAM.
As to a faster CPU, it really is hard to say how much that .1 GHz in raw speed difference will make. Keep in mind that AMD rates your CPU as performing the same as a 4.6 GHz CPU.
Check the motherboard manufactures web site, and determine what is the fastest CPU that will work with your system. Make sure to pay attention to both motherboard and BIOS versions in relation to supported CPUs.
Also, unless the game specifically states that it supports quad core CPUs, stick with a dual core.
Chas