ok thats not going to solve your issues
the BIOS setting memory hole at 15M-16M is only for legacy software and
actualy removes 1 MB after 15MB and before 16MB hence the "hole" at 15
through 16.
why we used that is when old systems ran programs that could not run with 16
or more MB of ram due to software limitations.
ok from what it sounds like your chipset is the prime limitation on how much
ram you can actualy address. some chipsets have less than what you can
physicly put in your system.
also xp and vista alike have 32 bit addressing, which means you can only
address 4-8 GB's of ram Vs 128 GB's of ram of 64 bit addressing
BUT IT ALL DEPENDS ON YOUR CHIPSET.