I've never had this experience. For 25+ years Memtest86 has worked perfectly to identify bad from good RAM. Of course I generally test one stick at a time.
Well, I will not hold your obvious youth and lack of extensive experience against you!
I am not suggesting the problem is common. It definitely is not. But I have seen on a handful of occasions where RAM passed all tests, but still failed when put to practical use. And replacing the RAM (and only the RAM) with all new (and identical!) RAM cleared the problems.
Examples include a single stick passes all tests, but when running normal applications (like Photoshop, games, or videos), errors occurred. Replace the stick, no errors. Or two sticks (tested separately) pass all tests and individual sticks running normal applications have no failures, but when paired, errors occur. And again, replacing both sticks with new RAM cleared the problems.
Is there a chance the memory controllers on those systems just didn't like those specific sticks? I suppose, but that doesn't explain why swapping in different (but identical) sticks cleared the problems. It just adds to the inconclusiveness of the problem - to me.
I will emphasize again, if these software based testers report any errors, even 1, the RAM is bad. Period. So they have been very consistent and conclusive in that regard.
Having said all that, what are the alternatives? A $2500 tester? It is hard for most shops to rationalize spending that kind of money (even if they have the financial means) on a "unitasking" piece of test equipment. It would actually be much cheaper to have several sticks of spare RAM laying around just for testing purposes. That's what I do.
All I am saying here is
"IF" your software based tester does not find any problems,
"AND" you have eliminated all other possible causes of your computer problems, do not assume the RAM could not still be the issue. Swap it out, just to be sure - especially before having a stroke, or spending big money on a new motherboard, or CPU, something else.