So I took the refreshing plunge and max'ed out my RAM. Of
course, it only deals with 64M. What specifically do I need to do to
get the kernel to recognize the full 128 Megs and not panic.

Yes, the BIOS sees all the memory.

Will the poor thing freak out if it doesn't have matching swap space?
(I have 64M). 

Thanks in advance.
--
Hacksaw