Yep just as I suspected my option to lower the amount of ram was greyed out with my onboard.

I uninstalled my new graphics card and switched back to the old setup, which was made after Civ 3 was released!, just to prove this.
I bought this Dell during the explosive

"Dude get a Dell "

expansion era Serves me right for listning to that annoying guy

Unless my computer's a one in a kind, this could explain the rash of slow turn complaints around this globe at this time.
In Conclusion it
was the RADEONX 9550 card that unlocked the system ram menu the onboard variety was blocking for some reason,
Next, my computer made full use of all available memory automatically when I loaded Civ4 with the Onboad junk otta the way.
This explains than, why when I went to play Civ3 complete again, The turns were faster without me doing anything. If more Virtual Mem =faster loading.
The mysteries solved then!!! My Dell, along with countless others is guilty of coming equipt with a hog of a onboard G card that made it unusally slower than other systems and unable to correct itself. What a time wasting travisty!
Case closed

Next!