I sent an RMA ticket in yesterday and they promptly got back to me today.  They believe it's still the ram since they believe there is still a chance they could be the problem.  My situation where the sticks work individually but not as a pair isn't unheard of to them.
Do you guys think chipset drivers have anything to do with this problem?  I skipped installing them this time.  Do you think it would make a difference if I installed them?