A long time ago, I bought an 875 chipset motherboard with ECC on it. It actually took a couple of tries because I remember a company (ABit? AOpen?) said their motherboard was "ECC enabled" but that meant that you could socket ECC memory into it and it would still boot... not that it actually fixed single-bit errirs But then I got another motherboard and this time ECC is actually appear to be enabled.
The board went into an always-on server running Linux in my basement and then I found out that I didn't have a driver for ECC so then I helped with the linux-ecc driver for the chipset to enable it (turned in the patch to the linux-ecc kernel group too). I turned on ecc data logging and I didn't see any failures for weeks, so then I created a failure myself (I used a bit of wire-wrap wire, stuck it in the socket, socketed in an ECC DIMM creating an antenna and it took me a couple of tries to get the length long enough but soon enough I had a failure. So I knew it worked.
Then I logged ECC errors on my server for 9-12 months. As I recall - and it's been a long time - I logged 7 errors on an always-on server with ~2GB of RAM. I'm at an altitude of 1600m. What I thought was interesting was that the errors were very bursty. I'd get 3 and then months went by and I got 4. It was something like that.
I bought a 975X motherboard after that - which I still have - and tried to replicate my experiment on my desktop system running Windows. I couldn't find out where Windows was logging it under Windows 95 and concluded that they didn't. So I wrote a Win95 driver for Windows for ECC - you need to read a couple of the chipset registers... it wasn't rocket science. But I never caught any errors with this method except for my dangling wire test - but it was on a system that I powered on/off daily, and the industry had switched from lead-solder to the new stuff which cut down on radiation as well. But I think it was 6 months and I never saw anything. But then I switched to Vista for some reason that made sense back then, but I'm not clear on nowadays, and the driver didn't work because it wasn't signed and the driver coding methodology for Vista was much more confusing... so that was the end of my ECC experimentation. When I bought my Nehalem motherboard and then my present-day Sandybridge motherboard, I didn't bother with ECC.
I will say that I'm in the middle of the fence on ECC. Just as I try to buy motherboards from solid vendors I am willing to buy motherboards with ECC and pay a bit extra for it, but not a lot extra. But even when you are doing this, my experience with Abit/Aopen/someone else (I can look it up if you are curious... I wrote them a complaint letter and mailed it), even when you buy ECC memory and an "ECC-enabled" motherboard, you may not be actually getting an ECC-enabled system. And who has time to stick random wires in their DIMM sockets to test... So my take on it was that most users shouldn't probably bother.
I'm headed out on vacation to a spot with no internet tomorrow so I doubt I'll be responding to this thread unless it's miraculously still going in two weeks time... so if you have any questions or want to tell me that I'm wrong, then I'd recommend sending a private message to me. I still should have the code and everything somewhere on my hard disk if anyone is curious. I'm a data packrat.
On the OP's original question, I thought IDontCare did his usual excellent job answering it.
Edit: I found the code for the ECC kernel for Linux and it was dated 2002. Wow. I had no idea it was that long ago. I think my chipsets references above are all wrong because the code looks like it was for the Intel i440BX chipset. Man, time goes by too fast as you get older.