QUOTE
Also: graphics cards dont matter much to us (modellers/artists) - or do they??
Its the ONLY thing that matters! All other things are inconsequential choosing a bad gfx card will equal to computer that you have no use for.
QUOTE
Lastly and most confusing to me is 32 or 64 bit?
Well i todays climate i would say you need 16 gigs of memory tough you may want to upgrade your maya. The thing with 32 bit and 64 bit is in the pointers. And they are about amount of memory. a 32 bit application and operating sytem can not address more than 4 Gigs of memory. Of wih the os reserves at least 1Gig for itself so your left with more like 2.5 gigs of memory to spare IF you tell your os to use the 3 G extensions. Otherwise your limit is more like 1.5 G.
Since memory is the most significant obstacle to having huge polycounts id say you must be 64 bit if you want to be modern.
QUOTE
Will I have to upgrade to a 64 bit version of these programs or is that an option upon install?[
You nee dto upgrade both the application AND opearting system.
QUOTE
How much processor do I realistically need?
If you do 3D computer graphics you need a computer thats not available. In other word this means you can not realistically buy a computer that would satisfy your need thus you buy the fastest you can afford. Nothing less is enough.
You will pay for the slowness every time you do anything. Geek or not.
PS: if you do 3d graphics your a geek no matter what. Its subsumed in the definition of 3d graphics. (the fact tahtyour not very geek doesn't alleviate the definition)