Hey, so I'm not trying to plead for Sins to get 64-bit/multithreading, but I've been thinking about things...
Is it not possible to make a kind of 'helper' app that only runs on a 64-bit, multithreaded system? This apps sole job would be to manage additional assets above and beyond what the 32-bit, single threaded can do, swapping the resources into the main app as needed.
This would clearly be a patchwork way to add multithreading, but it helps, and I would think it would be fairly easy to make and not affect the 32-bit game.