Hi Tom,
I didn't mean to imply that you could export to 32 bit access from 64 bit Toad. The reason that exporting to Excel is more flexible is that Toad is creating the Excel file from scratch. In fact, you don't even need to have Excel (or any kind of excel engine) installed to export to Excel.
The reason for the prompt (in your last question, not when clicking the ... button) is that you have "If file exists" set to "prompt for append/overwrite/insert". (Sounds like you'd prefer to have that one set to "create tables in MDB file") The "Append rows" option that you have selected below refers what to do if the table exists within the file, not what to do if the file exists.
Regarding the prompt when you click the '...' button at the top, well, that's just a "file already exists" warning from the Save File dialog. You could actually tell it Yes if you wanted instead of manually editing. It doesn't know that the export action will later be smart enough to append if you so choose (but maybe it should know that, to avoid confusion!)
-John