Morning guys........Well your now talking to a fellow Australian, a fellow high end PC user , and fellow photographer that thrashes his PC till it squeaks, pops and begs for mercy with imaging software!..........Yes Stability can be subjective for the end user and at the end of the day.......it's your choice!
What I believe and I'm sure DM the moderator and many other on this forum is....... stable is a black and white subject for good reason, If your system is "Stable" you'll never have to worry about an occasional BSOD, a freeze once a month doing heavy demand runs and the peice of mind that no matter what you throw at it .....it will perform as advertised........a system that seems to be "pretty" stable is good enough for surfing 24/7, running most games at moderate settings and will happily do this until you hit the run button and try pushing your PC with some new game or app
Do you really want or need this limitation?
Memtest86 (or 64) was designed for stress testing Memory.....if it shows you have a problem.....you DO have a problem!
Errors don't mean the memory's crook every-time! ... It just means that the memory could be crook, or the memory,motherboard combination or it could be the setting that the motherboard BIOS applies even to run Memtest.......If memtest shows errors.....there's a problem that needs to be fixed somewhere!
Two years ago my wife's work laptop had a "small" problem which she ignored, it steadily got worse over a six month period to the point it finally crashed and could not be recovered, she also lost half her data.
If you still have them, retest (ONE AT A TIME) but forget about XMP just use auto settings to begin with.....if it fails....input "recommended" settings stipulated by the memory manufacture MANUALLY! in BOIS
If they still fail......there's a pretty good chance there crook, and an outside chance there not compatible with the motherboard ....Hope this helps.
Aussie Allan