I gather OC enthusiasts who just want to brag about benchmarks always use 2 sticks instead of 4. However in real life usage such as Photoshop work, you're better off using all four sticks even if you do have to slow it down slightly.
Isn't everything one chooses to do with his or her machine, "real life usage?" While I agree synthetic benchmarks are meaningless, if that's what gets you off, more power to you.
As far as 2x2 vs 4x1 goes...
Hi Fumz
It looks like you are comparing what is best between 2x2 or 4x1gb.
I was writing about wasted's situation. He has 4 1gb sticks. He has no 2gb sticks. He could use 2x1gb at faster settings or 4x1gb at slower speeds (hopefully).
To post good looking results in an overclockers forum, 2x1 can be made to run "faster" than you can get from 4x1. That's why some overclockers pull out half their ram, so they can crank up the speeds to post impressive numbers.
But for practical usage of the computer, 4x1 will give a better experience of perceived performance in Windows than 2x1, even though the 4x1 may require slower clocking. Even if he doesn't run lots of big applications, the system will benefit from larger filing system caches, more prefetch, etc.
The reason I wrote that was to point out to wasted that he shouldn't regret having to slow it down slightly, IF that would enable him to use all 4 gigs instead of only 2,
At least wasted understood my message. That's why he asked which of his BIOS settings he should try adjusting, if he wants to get his system stable with all his 4 sticks of ram.
Anyway wasted...
I had a look at the image you uploaded, of your BIOS settings dialog. I'm not very experienced with overclocking, but based on what I've read in OC forums, I would try this:
Make a bootable CD of memtest86+, so you don't have to keep booting into Windows to see if you will get a BSOD, and leave the CD inserted while you try some of these settings using all 4gb, until you get no errors in the memtest when you boot the CD.
For more stability, you want to try slower speeds and/or increase voltages, particularly for the memory. Increasing voltages by too much could risk overheating but there should be no risk in making a speed setting slower.
DDR2 OverVoltage Control: That is set to normal and you could try a slightly higher setting. (By the way, does the website for your brand of ram specify a recommended voltage for it?)
System Memory Multiplier: If that is set lower, you are slowing down the memory without slowing other parts, which might help.
Nobody can give you an exact prescription, so you have to experiment.