Oh, and you don't want to lower latency if you're having stability issues. Lowering the latency is actually harder on the ram. It works the opposite of the ram speed. lower=faster
This is true.
From what I understand, a latency number is how many clock cycles the memory is left open for whatever setting you're changing. The computer doesn't know when the memory is actually done doing whatever task needs to be done, so you have these latency timings. For example, when the memory reads the data, it gives it 2, 2.5, 3, etc. clock cycles before it assumes it's finished reading. If the memory is not done reading, the computer will cut off the end of the operation, the data will corrupt, and the system will crash.