Not what the reviewers experienced or what hundreds of reddit threads, overclockers and enthusiast forums are reporting. It's not FUD, it's history repeating itself. AM4 AGESAs took around 12 to 18 months after CPU generations release to get to 100% stability, with all the features advertised by AMD, with some updates adding new things but breaking others. Even now there are issues. If you want to take advantage of DDR5 currently, you have to choose between expensive, lower capacity and "tight" timing kits (that may not work), or cheap, low capacity and loose timings, or expensive high capacity and loose timing kits. Whereas I can buy a 32GB kit of Hynix 3200/16 ram that will happily do 3800/18 all day for less than $100.
Suggesting that a 5800X3D needs either a $200+ motherboard or $200+ ram is also a stretch. You can get the same performance with a $150 B550 board and a $150 kit of reasonable ram. The whole point of a huge cache is that super fast low latency B die is no longer needed for memory starved Ryzen to be fast in games, due to the latency penalties Ryzen has being pretty much removed. 55ns B die instead of 65ns hynix ram doesn't really matter when you have a large cache running at 10ns.