Hey most of us get those days

And welcome to the forums
Now to your question, no it does not matter. You can buy PC3200 and it will work in a system that only recognizes PC2100. The difference will be in your motherboard (BTW, what's your motherboard?). If your motherboard can get to higher fsbs (like 166), then you'd be able to utilize the PC2700 ram. But if you plan to overclock near those speeds, your PC2100 ram might not like it. If your motherboard does not have fsb options that high, then it will treat the ram like PC2100. If your motherboard can't, maybe you should look into just getting PC2100, maybe 2400 if your system can handle 150fsb.