I agree with all of the above. Additionally, in terms of diagnostics, the more features on a system you use the more apt you are to detect a problem before it comes an issue. In this case, if you detect a memory problem, that could be a symptomatic of a potentially larger problem.
For instance, I noticed that I was having USB port problems on a SoYo motherboard, then other ports began to fail. That lead me to the power system on the board which uncovered swollen caps. As with all things, YMMV.
I have 16MB on the mobo, 128MB on the CSMKIII. I get a little childish thrill knowing that my system is fully populated. :-)
