I have come to the conclusion that the amount of system RAM required heavily depends on
- Thread concurrency
- Number of GPUs
I have also come to the conclusion that the system RAM is only required to create the kernel code that cgminer then transfer to the GPUs. In other words, once the kernels are built, you no longer need the system RAM *until* you change whatever parameter in cgminer that affects the kernel, then cgminer will need the RAM again to re-build the kernel.
I may be totally wrong though, asked and still looking for certainty about cgminer and system RAM requirements. Given that CK has now totally removed GPU support from cgminer, I didn't ask him directly (as doing so might be perceived uninformed/trollish)
You are correct, to an extent. It was my impression that the system memory was only used to build the initial kernel, which does get larger the higher your TC goes.
My rule of thumb is to match the video ram of your largest card, and then +1GB for the OS. For example, a 3GB 7970 or 280x works fine on 4GB (3GB for card, and +1GB for OS). A 290 has 4GB RAM, so you would need at least 5GB of system RAM (we use 8GB, and have never had any issues).