I think Loki answered you good. If you want to run at a higher MHz in relation to your overclock, then maybe running with less memory would be beneficial. Have you ever run MemTest on those sticks. One of those sticks may not be performing as it should. Run it with all three and if you have errors, take two out and run each one at a time to narrow it down. You should at the very least be able to get to the design MHz of 200, even with 3 sticks in. You might want to play around a little and do some benchmarking with every different scenario.
So you will be able to answer your own question through benchmarking tests, like SiSoft Sandra. Good luck.
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