Yeah, if they have the 320bit bus necessary to feed the 12TF gpu, they end up with either 10GB(not enough) or 20GB(too expensive) so a cost compromise is a mix, and that upper address space above 10GB would be slower but just for the OS anyway. If the OS does almost nothing during gameplay it has no negative impact, but it's still only 10GB of the address space being at full speed.
For a 256bit bus with 16GB, the entire space is at full speed, but if there's 4GB reserved for the OS it's just 12GB anyway.
So it's pretty much four quarters for a dollar.
I wish the memory manufacturers did the 1.5GB chips in the jedec specs, that would have been ideal here.