Welcome! It sounds like you are fairly new to the Amiga?
Broadly speaking, chip RAM can be accessed by the CPU or the custom chips. Fast RAM can only be accessed by the CPU. Chip RAM is traditionally used for audio and video data, the things that need to be processed by the custom chips (e.g., sound and graphics) and fast RAM is used for everything else.
Fast RAM is called fast RAM because it's usually faster than chip RAM. But there are actually several different kinds of fast RAM.
So-called "slow RAM" is the same speed as chip RAM but can't be accessed by the custom chips. A very small number of old games are hard-coded to require slow RAM. Only some A500s and early A2000s shipped with slow RAM. Some simple motherboard modifications can turn slow RAM into much more useful chip RAM.
16-bit fast RAM is what's available on the 2058 board (and the 2091 if its RAM sockets are filled). 16-bit RAM is limited to a total of 8MB, via the Zorro II bus. It's usually faster than chip RAM, but not by much.
32-bit fast RAM is where you start seeing serious performance boosts. You can get 32-bit RAM on 68020 and higher accelerator cards. I believe it's limited to 128MB.
The 2630 that shipped in the 2500/30 is a bizarre design in that it uses 32-bit RAM that is mapped into the 16-bit address space. In other words, you'll get 32-bit speed on the 2630, but it will use up part of your 8MB limit.
It sounds like you only have 4MB of RAM in your machine - 2MB on the 2630 and 2MB on the 2058. Technically, that meets the requirements for 3.9, but it's not going to leave you with much RAM left over. I recommend sticking with 3.1 on such a setup. I run a similar rig with 4MB on the 2630 and 2MB on the 2091. Resources are tight, so I'm happily keeping it on 3.1.