@Effy
Save the money for a CPU board that take memory, even if it's just another 040/25 board it'll be much better than the "3640 & fastram on motherboard" combo.
I've seen the price of A4000 CPU boards plumit the last year so if you're lucky you might get a 060 card for less than you think (I see them quite regulary go for as little as 110€ + p&p now that many are uppgrading to PPC for OS4 but even PPC boards can be found for as little as 200€ + p&p with ppl going over to A1). :-D