Anything rated at over 3200 is meant for overclocking. It has been tested to run at higher clock speeds, thus the higher number.
If you aren't planning on OC'ing major, just get some good quality, name brand PC3200 ram..that has been tested with whichever motherboard you choose.
CPU - P4 2.4C, 800FSB W/HT - CONSERVATIVELY OC\'ED
MOBO - GIGABYTE GA-8KNXP 2.0 875P CHIPSET/DUAL BIOS VER. FE
RAM - 1GB (2X512) OCZ PC3200 REV 2, 400MHZ 2-3-3 6
VID CARD - ASUS RADEON 9600XT 128MB W/VIVO
FLOPPY - SAMSUNG 1.44M
HDD - MAXTOR 120GB 7200RPM ATA133 EIDE W/8MB BUFFER
DVD - LG GDR8162B 16X IDE DVD ROM
PSU - ENERMAX EG465P-VE FC 460 WATT
VANTEC VP4-C7040 AEROFLOW HS/FAN
5 X VANTEC STEALTH 80MM CASE FANS