I am typing this (finally!) on my new desktop build. I did mull over the decision for a while but finally went with Xeon and ECC. So the memory cost more - perhaps even twice as much - so what? I use my computer pretty heavily for my work - with several VMs running at a time. If ECC saves me a headache once a year, it will have paid for itself. If it never provides ANY benefit I will still not regret the peace of mind.
The parameters of the desktop ECC decision have changed massively with today's glacial replacement cycles. Today you make a one time payment for many years of avoided headaches and peace of mind, whereas back then any sign of unreliability would have been a welcome excuse for a cheap upgrade.