[bort411]

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Then what programs are you running that are giving you 100% cpu utilisation?

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I'm usually running at least 5 of the following:

Pokertracker (updating every 2 minutes)
iTunes
Between 5 and 20 windows of poker
DVD applications (either ripping, encoding, writing, or watching)
WinTV
Firefox
Thunderbird
AIM
Word
File transfer clients (usually about 25 transfers)

Also, I have 3 monitors running and I believe some extra CPU performance goes toward managing my displays.

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What does your load look like when nothing is running?

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0% CPU usage, about 250 of 1500MB physical RAM used.

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But more importantly, I don't understand why you believe that using all of your RAM is critical.

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It's not critical, but if I can use more of it to improve performance, I'd like to. If the consensus is that my setup is optimal or close to optimal, so be it.