Well, the best thing I have found to get to the maximum limits of your system is to take it slow and easy and change one thing at a time and then test that one thing thotoughly before moving on to the next change. Takes a LOOOOOONNNNNGGGG time when you get near the limits.
I went from 2.66 to 3.0 GHz in about 10 seconds. Everything was stable and good. 3.2 GHz and 400 FSB took about 10 minutes. Tweaking the RAM and testing it took a day. Getting to 3.6 GHz took a week. Still haven't gotten 3.8GHz to work 24/7 under all test conditions. Slow and steady wins this race.
So, if you want to determine if your RAM is the problem, set it up where it boots and boot to memtest86. Run that for an hour and see if you get any errors. If no errors, change one thing and re-test with memtest86. As soon as you get an error, go back to the previous setting. Then change something else (if desired). Once you get all settings as high as you think you can go and stay stable, run memtest for 8 hours. If no errors, you have found your RAM limits.
The pickle that I was getting into was changing too much all at once. I like the oft cited approach of working the CPU first and the RAM later. Set the RAM at its lowest speed possible with really loose timings and a moderate voltage. Then work the CPU until you find its limits. Only after getting the CPU stable, then I start tweaking the RAM.
With this, I have been able to get my Corsair XMS2 (the 5-5-5-15 variety) running nicely right now at 800 MHz and 4-4-4-12 timing and 2.15V. I have had it up to 950 MHz and 5-5-5-15. I like it just where it is, though.
So, the short answer is maybe. But you need to do some work to find out.
Tom