That doesn't make sense. You don't get weird numbers of rows per memory device like that in such old devices. Memory arrays are symmetrical, or square, call it whatever you want. If you have 512 row addresses, and 512 column addresses, you have a total 256k (well, 262144) addresses. To the Mac, it makes no difference if those are organized in two devices where each address holds four bits, or eight devices where each address holds one bit each. Also, were it the case that row count was an issue, no SIMM having more than 512 rows would ever work, regardless of internal organization. Again, that would limit an SE to accepting only 256kB SIMMs. (512 rows=2^9 row addresses=A0-A8=no device larger than 256k).
Furthermore, anyone riddle me this: why is it a Classic, built on the exact same BBU guts as the SE, comes populated with four banks of 256k*4 DRAM devices, equivalent to four two-chip SIMMs?