https://news.ycombinator.com/item?id=41090956
But you not only loose some capacity. Some bandwidth is also lost. And perhaps even some CPU cycles, since likely in-band ECC hasn't been implemented purely in a hard IP-block.
So the burst transfers have the same size as when ECC is disabled.
Without the special cache, the number of memory accesses would double, for data and for the extra ECC bits, which would not be acceptable. With the ECC cache, in many cases the reading and writing of the extra ECC bits can be avoided.
There have been published a few benchmarks for inline ECC. The performance loss depends on the cache hit rates, so it varies a lot from program to program. In some cases the speed is lower by only a couple percent, but for some applications the performance loss can be as high as 20% or 30%.