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Well, it's definitely a lot for media applications. I would never do it to my HTPC, since it can barely code MPEG-2 on-the-fly. But then again there's nothing on there that I need to encrypt.
From what I've seen my BOINC projects use CPU more than the HD. I believe mine is set to flush to the HD every 5 min, and runs in RAM the rest of the time.
I agree though, 38% is quite large. I'm also running a P4 with Hyperthread, so it's not the best CPU out there.
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