Is there a ram limit to a 32bit game?

Obviously I will be cooking my game in 32 bits as most of the people here(mainly due the 32 bit dll I use for saving games).If I’m not mistaking, since a 32 bit windows uses a max of 4096mb, than that shoud be the limit for a 32bit udk game before we get slaped with probably a out of memory message??

I’m on windows 10 64bits and when testing a small build of my game today (32 bit cooked one) msi afterburner tells me that I was using 4.7gb ram and more.Does that mean that a 32bit udk game will use all the ram it needs and not just 4gb?