There is a good description of this at http://www.pcguide.com on the
internet.  The author has much to say on all hardware topics and I strongly
reccomend any novice builders visit.
In a nutshell, Win95 does not have an absolute 64meg limit, although from
reports it uses higher memory in a more limited fashion (some say you can't
access >64meg in a DOS box, for instance).  Your vague memory is accurate,
there was a thread early in Jan that reached the same conclusion.

However, it is not the Pentium that limits L2 performance to 64meg, it is
the motherboard chipset.  Motherboards using Intel chipsets VX or TX, the
VIA XP, or one of several other chipsets have this limit.  I know mobos
with the Intel HX, or VIA XP-1 or VIA  XP-2, and any Pentium-II systems do
not.  If you have the right mobo, you also need 11 bit tag cache ram.  If
the manufacturer installed 8 bit tag, you will cache only 64meg, whether
your cache is 256k or 512k, since it is the tag, not the cache size that
determines this.

Sent:   Thursday, March 05, 1998 10:07 AM

 I have a 75mhz Pentium system, currently with 40MB of RAM
(two 4MB SIMMs and to 16 MB SIMMs). I'd like to ditch the
4MB SIMMs and add two 32MB SIMMs, however I've been told that
Windows 95 will only recognize up to 64MB and not use anything
over that. I vaguely recall this discussion once on PCBUILD
and the conclusion was that while the Pentium's L2 cache will
only handle the first 64MB of memory, any additional memory over
that would still be available to Windows 95 applications.
Don LeClaire - Senior Software Design Engineer