...
Prime95 with small FFT (8K - 32K) tests/stresses only CPU and cache, so it is not sufficient for CPU + memory stability. It stresses the CPU constantly with priority control, but since memory and system bus are not heavily involved, unless the CPU is clocked too high, it is more predictable and is less susceptible to random failure. It is not sufficient to ensure memory and system stability.
Prime95 with large FFT (8K - 1024K) tests/stresses CPU, cache and memory heavily with custom priority, so it is needed in additional to the small FFT tests to uncover any stability issues for CPU, cache and memory. Since larger amount memory is involved and the test can be affected by other background processes, so the test failure is more random in nature.
Prime95 with large FFT blend (8K - 4096K) tests/stresses CPU, cache, memory, chipset and system bus as a whole with custom priority. Memory is also stressed to the greatest extent. It should be used to completely test the CPU, cache, memory, chipset and system. As larger amount of memory is involved, including hard drive paging, video, system bus activities which can be affected by other background processes (even with minimum number of processes running), so the test failure is most random in nature and hardest to pass.
...