The advantage of buying RAM with XMP presets is that the reseller who created the preset has tested the sticks with that overclock and binned the original chips

The advantage of buying RAM with XMP presets is that the reseller who created the preset has tested the sticks with that overclock and binned the original chips accordingly. When you buy RAM that is only rated for the default speed (as ECC server RAM is), you have no guarantee that all sticks will overclock the same amount, so in the worst case one stick will bring all the other sticks down to its level.