photonboy :
http://www.eightforums.com/drivers-hardware/57316-16-gb-ram-installed-but-only-8-gb-usable.html
Drop down to the one with pictures. make sure "maximum memory" is enabled.
msconfig->
boot->
advanced options
(I'm in Windows 10, and mine is BLANK for the CPU and memory though it works fine. Anyway, many people have fixed a similar issue as yours with the above though I still recommend staying with 8GB for dual-channel)
tried setting it to 12288 when the option is checked however the setting will not stick. (everything i reboot/ click advanced options again the setting reverts to blank)
And yes its a clean windows 10 install (3rd time lucky)
Switching sticks was one of my first ideas, Due to only having 3 sticks on 4 channels i ran into an issue like this before (on windows 7 and an older motherboard) I have tried sticks in slots 1-3 and 2-4
Also i understand about performance however right now its more about quantity than quality. I should be getting another 4GB stick soon as one failed on me.