According to a very detailed and comprehensive benchamark linked below there is no difference what so ever when you use 2 memory chips vs. 3. The article is in Polish but you should be able to read graphs easily. What are your thouths ?
http://www.egielda.com.pl/?str=art&id=4601-20
http://www.egielda.com.pl/?str=art&id=4601-20