For a standard user performing word processing or light spreadsheet work, the difference is negligible. For data analysts and power users, the 64-bit version is objectively "better."
Based on the analysis of the query and the associated risks, the following recommendations are made:
The most significant limitation of 32-bit software is its inability to utilize more than 4 Gigabytes (GB) of RAM. Even if your computer has 16 GB or 32 GB of system memory, a 32-bit version of Excel or Word can only access a small fraction of it.
: Accesses more than 4GB of RAM, which prevents crashes in memory-intensive tasks.