Due to the timing, it's best to achieve a 1:1 or 1:2 ratio. You may not get an improvement with a 4:5 ratio or 3:5 ratio. Underclocking memory can be a good thing. As a general rule, you don't want to under clock by a huge margin of it's rated speed.
Underclocking can also allow lower voltages to be used and therefore help keep it cooler and in effect, help it's lifespan extend.
People think that having the memory alittle bit faster than the CPU would mean less "wait" states for the cpu, when infact it can increase "wait" states because of timing issues. I can't prove this myself, but will look for document that I can bring to this forum to show to others. My college books are of no use because they don't cover Duo Core Processors

. In the mean time, just search for the hundreds of benchmarks on the web.
NHawk, I see that fulmar was talking about 2 ram sticks, which he was thinking dual channel, but he never did specifically say dual channel. I see your point.

Oh and as always, results vary from PC to PC.