annlouire,
Please open TaskManager when you feel your PC is sluggish, as this should help you identify which processes are the memory hogs. Look for the usual suspects in Vista such as Indexing, DWM (Aero), maybe Outlook and maybe your Internet Security Suite (I assume you have something).
While Vista certainly uses more processes than XP, 73 seems a bit high. I'll guess it's a fairly new PC with lots of trialware installed thats making up for 10-20 of your running processes.
Disabling processes is a slippery slope if you've never done it before. While usually not fatal, turning off the wrong one can lead to crashes, inability to connect, and other hassles.
If you so choose, you can read this primer: http://www.blackviper.com/WinVista/servicecfg.htm but PLEASE follow his rule of disabling processes one at a time (and then reboot) so you can easily remember what to re-enable if things fail.
Feel free to post back or search for a specific process that you are unsure of that isn't covered on his site.