2 3 pin fans not reaching full speed when plugged into a 4 pin header, validated: a 4 pin fan plugged in rated at a lower CFM was blowing more air than a higher CFM 3 pin.
I think it still depends on what setting your BIOS allowes the fans to spin regardless of the full voltage. I'm not too sure about this. I have 3 pin fans all around my case and even the one connected to a 4 pin motherboard, was running full speed so I bought a fan controller.