BIOS can be bypassed, so all Mem Checks are off
Here's a nice trick that works with certain Mobo vendors and corresponding CMOS/BIOS Writers:
Put new firmware on a floppy!
I've had to do this before when a friend of mine bricked his BIOS. Basically, you just make a Windows boot floppy, put the BIOS flasher and new BIOS (With Mem Test disabled or even missing from the binary) on it, and put the commands to flash it in the AUTOEXEC.BAT.
Apparently, you pull out a jumper, put in the disk, and it doesn't even do a BIOS check, it just runs the disk and Flash's the BIOS (Don't know specifics, would need to check some hardware I'd think). Works on a LOT of MSI hardware.
Now, with enough recon, you could figure out the mobo maker, and download a BIOS update. End result - Owned.
Sidenote: If your HDD encryption relies on your Windows password, your HDD encryption is S**t. Stick some something safe, like TrueCrypt (And it's Bootloader).