Damn_Rookie :
Plus, I believe the reason it recommends doing that is because the bottom one is running at x4 speed. The available setups with that motherboard are X16/x0/x0, x8/x8/x0, x8/x4/x4.
Source: http://www.tomshardware.com/answers/id-1870533/msi-z87-g45-sli-ports.html
I think you are misreading and this is the whole confusion here. From MSI website, Gen3 (16,0,0), (8,8,0), (8,4,4)
From this, the only way to have 4X is with 3 cards. This is what I want to confirm.