OK first of all, ALL Intel Macs are fully 64-bit except for the first-generation Core Duo/Solo models (not to be confused with the current Core 2 Duo!). The RAM limitations are NOT because of the CPU, but rather the memory controller.
But beside that, a single thread cannot be divided, so beyond 2, the number of cores is largely irrelevant, and more would simply be wasted money. For a single thread, you need the highest clock speed possible, with 2 cores (so that other tasks can run on the second core) or more. So probably a 3.06GHz iMac would be your best value.