In Windows 7 Home has 2 glaring limitations that punish users arbitrarily. You need to upgrade to pro to use more then 16GB of RAM or to use 2 CPUs.
Yes, but most home users won’t use any program that needs more than 8 GB of RAM, unless they’re running something that really taxes the CPU like an image-processing program. Indeed, most games assume your system maxes out at 8 GB of RAM (adding more RAM won’t really speed up the game).