I stayed with 32-bit until last year. Finally stepped up to 64-bit with Windows 10 because my hardware was x64 capable. It did require a clean install from Windows 7 to upgrade the bit level, but was worth it. Was also a good opportunity to increase the RAM!
It seems that some developers are dropping support for 32-bit applications as they roll out new versions in 64-bit only. Having a 64-bit OS is win/win, because you can run both types of applications!