Hi
I would say there is no penalty. There is nothing mentioned in https://support.hpe.com/hpsc/doc/public/display?docId=a00018950en_us
For the performance I see only the supported upgrade features:https://support.hpe.com/hpsc/doc/public/display?docId=emr_na-a00026319en_us&docLocale=en_US#N105A2
If there was any performance impact, it would have been documented.