Finally looks like I got it stable at 2.7GHz! It took a LOT of tweaking. I posted a screenie earlier with it stable at 2.7GHz with Prime95 Small FFTs, but Large FFTs was erroring out. I updated to the 704-2 Beta BIOS, tweaked with it for a few days, and found a setting that both my CPU and memory seem to like.
CPU: AMD Athlon 64 X2 4400+ (CCBWE 0517MPMW)
MOBO: DFI LanParty UT NF4 Ultra-D
BIOS: 704-2 Beta
COOLING: Zalman 7700-Cu @ 12V
MEMORY: Patriot 1GB (2x512MB) XBLK TCCD
PSU: Fortron 550W
CASE: None
FANS: Zalman 90mm @ 12V On Mosfets
http://www.oregonstate.edu/~dinsmorj/primestable.gif