Yup, as mentioned, the only real difference between buying a "dual channel kit" and a pair of identical RAM modules from the same maker is that the kit comes in one package.
There is no fundamental difference between "dual-channel" and "single-channel" modules. So long as they have pretty much the same specs, they will work together; speed can actually be different, as I recall, as it will, with any SDRAM setup, just clock down the fastest modules to match the slowest ones. The only real requirement is, I recall, that both modules be of the same size.
Of course, a dual-channel kit usually winds up being slightly cheaper than buying the chips separately... But if you can buy the separate chips cheaper, there's no need to worry about it.
"Dual channel" simply means that the motherboard northbridge chipset, (in an Intel board, or a 32-bit AMD board) or the CPU itself, (with an Athlon64 system) happen to have two 64-bit memory controllers rather than one. If you don't have matched pairs of SDRAM sticks, it simply uses one of them; otherwise, it can use one controller for each even half of the RAM. It may be that AMD's is more strict, given that the whole integrated RAM controller is a tighter design, but I haven't noticed much of a difference here.