Techincally you only need a 4x32 kit over a 2x32 kit if your cpu has quad channel ram.
And even then, as long as you stick with the same 2x32 kit your still ok as long again, your keeping the same vendor / speed / timings on both kits.
Reason is when you quad channel ideally you want to keep to the closest set.
When they are bundled like that, typically they are from the same batch.
So you 90% of the time wont have any problems when you buy 2 kits at the same time, because typically they will be from the same batch.
So unless you thought 4x32gb kit would be cheaper then a (2 x 32gb) x 2 sometimes they are, but if your not pinching on the cost, just get 2 x (2x32), as again, most systems are dual channel, until you goto HEDT and Servers.