4x1. If a stick fails, its no big deal...even running in pairs, you can pull one out and operate with 2x1 until the warranty item returns.
If you have 2x2 and one fails, you might have a problem.
Yup, and your chance of failure after it is in and tested, is somewhere like 0.25% per year. Not sufficient reason to spend more money, or to use your sockets up, unless you absolutely, positively know you'll never want to upgrade beyond 12 Gb