Hello, mixing memory kits is not advisable. Often feel like a broken record when saying this, but if not wanting to tune the memory it's best to buy a kit in the density you wish to use.
This is because memory vendors bin the kits in the density they are sold in. When combining kits you eat into the guardband put in place by the memory vendor to ensure the best chance of operation on a given board and CPU. Of course, these things are often a lottery regardless, but by doing so you run a risk that the modules will not work when combined at their rated frequency, timings and voltage.
All of the latter may need to be adjusted in order to pass POST stress tests and operating system stress tests as you have discovered.
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