Depends on the mobo. Some motherboards, and especially the early nForce mobo's, would take a performance hit when all the memory banks (or slots) were loaded. You would have more RAM, but everything would run slower because the system would underclock the RAM.
If your mobo is less than 4 months old then you probably have nothing to worry about. Also, I'm told that single sided RAM (all the chips are on one side of the RAM) are better than double sided (chips on both sides of the RAM) for correcting this problem, especially on the nForce and ABIT boards.
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