Amish Kid is right on this one. If you know how the K8's work, memory clock doesnt do jack. To find out your cpu max oc. Set your divider to DDR200 or 166. This way your RAM speed is very low. Now crank the vcore to 1.6V, HTT to 3x and go up on the HTT. Once you can't go any hight, you can either pump more voltage, or keep it that way. Then use SP2004 to test for stability. Now, if its not stable, you know its your cpu, because your RAM clocks are low. After that you can run RAM 1:1 or whatever ratio you want. It doesnt matter. Running your RAM slower than your HTT doesnt affect performance, and if it does, its only at max 1%.
So Ã88, this isnt the Pentium age anymore with a need to run at least a 1:1 ratio.