I'll say, a hack to reduce it by 1 bit is still better that failing tests, at least until AMD explains to us, about what is going on.
That doesn't really follow what Andrew gave us, namely:
1) On parts with <40 bits, its fully hidden from software
2) Before Fam17h, it was always 12G just below 1T, even if there was
more RAM above this location
3) On Fam17h and later, it is variable based on SME, and is either
just below 2^48 (no encryption) or 2^43 (encryption)