Performance gains/penalties associated with the number of memory channels is grossly overstated - in most cases you'll get better performance from having more RAM, than from any loss of efficiency from not using an optimal number of memory channels. Any unallocated RAM in modern operating systems gets used for code and disk caching, which improves performance of the absolute slowest part of the system - the disk.
Only possible exception to this is if you are using an integrated graphics controller that uses main system memory for the video buffer, in which case you will take a hit on graphics performance if your memory is not laid out optimally.
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-Scott
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