As I wrote in another thread: using all four RAM slots does lower down the three sticks at all due to changing from the faster tripple channel mode to a double channel mode, which means 25% lower clock frequenzy of the bus.
Not saying, that apps always go slower with using 4/8 sticks instead of 3/6 - it depends.
Just to be certain.....
Does the fourth "automatically" and always slow the memory down or just when the memory usage tops the first three memory sticks?