Installing Win7 x64 will pick up a slight speed boost over XP when running Bridge+PhotoShop as it will make better use of the 4GB and provide more working space for your apps. Going up to 8GB should make a big difference in smoothness, though I don't know if processing time will improve.
I would think (old) folder loading is primarily a matter of disk speed.
You may want to check your Bridge Cache location and make sure it is using your fast drive (assuming you have > 1 drive). You may also want to have Bridge use Quick Thumbnails to speed up loading of previews.
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