For a change, it is actually not an OS issue. You probably have to enable the motherboard's memory remapping feature, if available.
http://support.microsoft.com/?scid=kb%3Ben...29605&x=13&y=19MS probably had enough of calls related to this, and decided to play dirty:
http://support.microsoft.com/kb/946003/With SP1 (unless you dig deeper) Vista will show you how much physical memory the computer has installed, not how much it can use. Nice one, Microsoft.
As far as ramdisk, you can pay
http://www.superspeed.com/desktop/ramdisk.php and
http://www.cenatek.com/product_page_ramdisk.php or you can play for free
http://www.ltr-data.se/opencode.html#ImDisk (ideas for Unsigned drivers workarounds here:
http://www.boot-land.net/forums/?showtopic=3498) or you can go in-between:
http://www.ramdisk.tk/.
As far as the Adobe note Jerry provided, I have the feeling that what Adobe meant to say was:
"If your OS can see more then 4 GB (to 6 GB) ..."
What the OS can not see, Adobe can't see either. That is probably also the case for all the ramdrive solutions.
BTW, what's with the "to 6 GB" (other than the 'Additionally, in Windows Vista 64-bit, processing very large images is much faster if your computer has large amounts of RAM (6-8 GB).' note ) limit in that article ? If you have more - say 8 GB - what will happen ? The RAM above 4 GB is will not be used a cache for the Photoshop by the OS at all, or only 2 GB will be used regardless of how much of RAM you have > 6 GB ?
Looks like memory remapping is your best friend.