if you run memory in all 4 banks, you will lose your 1T command rate, which is the main one, so its probably not worth it comaored with the gain from the extra GB. People were flashing performance increases of 20% in some apps when going from 2T to 1T.
Just try each divider with the lowest timings you can, some will perform better than others. 2-2-2-5 @ 200 might be worse than 250 2-3-3-6 for example, as the jump in bandwith is much larger than the drop in latency