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First of all, if the 3d card checkbox gives you performance issues then you have something pretty badly configured with your 3d card. I have it checked, use it and it's running perfectly.
The issue mainly in this case is the 64Mb RAM. It's too small amount period. You forgot to mention what Windows you are running, also whether you have any additional program running in the background. There may be more things attched, but first check/upgrade these 2 (more RAM, less programs on the background).
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