It's not that you really need four gigs for what you stated, but if you can invest in it cheaply then I would go with it. It would benefit you if you plan to run newer 3d software/games and if you have an x64 OS or if you have Vista. 4GB would help in the following was:
1) In the newest software (like Crysis), it would *significantly* cut down on load time.
2) Changes in average FPS would be little to nil, but you would also see a significant rise in minimum FPS.
3) As a general rule, you want to use the same kind of memory modules. If you upgrade now you can get the same ones. If you wait until later, your current ones might be out of stock and you may have to mix and match -- which from my experience, can cause problems.
Ways that 4GB might not help
1) You may not be able to overclock your memory as much
2) If you use 4 sticks, your memory has less breathing space and can get very hot.
3) Unless you plan to run the most cutting edge software, 4GB will not help you all that much
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Dell Latitude D630

Win7 x64 Pro