Keep in mind, however, that virtual memory is not nearly as fast as actual, physical RAM. It's mainly used in games and such whenever you run out of physical memory.
A really good example of this is in an MMO like World of Warcraft, in one of the large cities. Here you have numerous players, all wearing different kinds of armor in a huge environment that is constantly streamed off of your hard drive. While walking around, your game may pause frequently for very brief intervals, and you'll either hear your hard drive or see the indicator light come on, a sure sign that virtual memory is being accessed.