Yup. That's the most obvious drawback to that particular board for sure. I wish there were more choices from other vendors, or newer boards (based on the same platform) from Intel that addressed some of the common complaints about the D5400XS (such as max memory limit).
SLI is a fantastic addition, I admit. You just want to have sufficient cooling for any dual-GPU solution on this board though. I am running dual 8800GTS 512s in SLI, and man do they get hot. I am really thinking about hooking the entire machine up to water cooling... it might make some sense. It's kind of upsetting when the entire room heats up moments after turning the machine on.
The memory is another thing that is beginning to bother me quite a bit. Not the speed, but the fact that the modules themselves heat up so much. During normal use, the center chip on the FB-DIMMs hit around 70C (I tested this with a reliable temperature diode)... which is clearly asinine. It might run stable, but it sure does a great job of adding heat to an already hot machine.