Hi Tony,
Unfortunately the HDRWT deringing algorithms require many temporary working images, which eat a lot of memory.
With just 3 GB of RAM, Windows can only assign 2 GB to applications, while the remaining 1 GB is always reserved for the operating system kernel. Of course, an application can never allocate 2 GB, but only a considerably smaller space, due to other applications and operating system services running on the background.
To know more about how much memory you have for PixInsight, please type the following command:
mem
in PixInsight's command line (the white edit line on the Processing Console window) and press Enter. Let me know what this command prints on the console.