The > 4GB issue is only present on some motherboards, most of Gigabyte`s are affected by it hence the MEMRemap function. Most other manufacturers have fixed this issue and moved on.
I have not heard of issues on XP x64 or Vista x64 about RAM over 4GB. I do know overclocking on any 64-bit is not as good as 32-bit OS.
I have three workstations with server boards running over 4GB. My Tyan Thunder K8W rev 3 is running 6GB and pair of AMD 265 dual core Opterons. My Tyan Thunder K8WE rev 4 is running 8GB and pair of AMD 280 dual core Opterons. My Supermicro X7DWA-N is running pair of Intel quad core E5430 Xeons with 16GB of RAM. The K8W can't see 8GB because the revision of the board does not support dual cores fully. I can't enable the memory hole on it. I can go back to single core Opterons to get 8GB. I rather have the four cores instead.
The problem is more likely how computer boards are setup. You don't want to overclock on your base OS install. You want to make sure the CMOS is configured properly to support your hardware.