It is not that simple regarding ECC. Since ZFS uses more memory, the probability of hitting a memory bug is simply higher with it.
For a long running, non-idle system, a good rule of thumb is that all RAM not being actively used is being used by evictable caching.
total used free shared buffers cached
Mem: 12286456 11715372 571084 0 81912 6545228
-/+ buffers/cache: 5088232 7198224
Swap: 24571408 54528 24516880