It is correct for 32-bit OSs, it is NOT correct for 64-bit OSs (or at least it doesn't have to be).
The problem is that, in a 32-bit OS, it can only address 4G of memory (2^32) total. That means for things like video cards, the MMIO for these devices must lie withing that 4G range. Since you have 4G of RAM, there is nowhere left for the MMIO to exist except over the top of your RAM, meaning you lose the memory.
On a a 64-bit OS, it can map the video card memory above your RAM address range - it will not conflict with your RAM.
Short story: if you are running a 64-bit OS, you shouldn't have any peripheral I/O memory subtracted from your usable RAM total. If you do, something is misconfigured (probably your m/b).
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