Coincidentally the high-end brands you mention also have the lowest failure rate and that has a price. There is a cost too in returning fees and wasted time with less reliable products. It's up to everyone to choose which one are they willing to pay. For an idea see http://www.hardware.fr/articles/947-4/memoires.html (in french) which gives the return ratios for PC components shared by one of the largest French online retailers.Every-time I see someone buying Corsair, or GSkill or Patriot or Crucial memory for high-end rigs I get a good chuckle from it.
Mushkin is life..