And pointing out since it's not been mentioned here, if you have diskeeper and have Intellimemory caching on (it's on by default, limited to 4GB on home and no limit on pro) it will use available ram for caching.
Said caching will NOT be marked as used by diskeeper or any other process in task manager, resource manager or process explorer or anything else I know of.
Normally it is not an issue since most games/things can actually request ram and not just try to use it which is then freed as necessary. If out of memory errors happen, just disable said feature temporarily (or permanently if you want 90% more useless reads/writes to disk)
so.. that applies only if you have diskeeper home/prof installed.