I agree that many A7N8X cannot go higher than certain FSB frequency is mainly due to the NB (in particular the memory controller, I think).
The natural out of the box FSB ranges from 180 to 210 MHz (running SYNC with memory). Also if running in ASYNC, the FSB can go much higher to the 230 MHz range. I have memory that tested independtly can go much higher (by 10-20 MHz), but is limited by the NB once I put two modules to run in either dual channel or single channel. All these points the problem to the NB (memory controller), not the FSB per se.
The VDD vmod on the chipset (not Vcore and Vram) will definitely help to increase the FSB significantly higher, as reported by many.
But if you do not want to do a vmod on the chipset to begin with or for whatever reason, you may try this:
1 module with 1 bank (e.g. 256 MB) overclocks a few MHz better than
1 module with 2 banks (e.g. 512 MB) overclocks a few MHz better than
2 modules (e.g. 256 or 512 MB) in single channel (dimm1 + dimm2) overclock a few MHz better than
2 modules (e.g. 256 or 512 MB) in dual channel (dimm1 + dimm3)
Try to run with 1 module or 2 modules in single channel (dimm1+dimm2). It will help the FSB a few MHz higher, or even above 200 MHz (feel much better), and would translate into better bandwidth and 3D mark. But it won't be as significantly as the NB vmod.
PS: At this point, I don't see any advantange running AMD NF2 MB (except for the ones w/ integrated video chipset) in dual channel mode. It may hold back by 5-10 MHz. Unless you have to run the MB at a predetermined FSB (like manufacturers, nonoverclockers), the dual channel and bank interleaving will give slight performance advantages. Of course, for Intel P4 MB w/ dual channel, always run in dual channel.