OF COURSE IT'S OBVIOUS that no one in 2025 will "close browser and other stuff" just to play game!
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So, 16 GB is "on the edge" for any average game, unless it's Solitaire.
Modern games don't need a lot of RAM and shouldn't need you to close browser windows unless you have a real tab-management problem. Most AAA games are designed to run on 16GB consoles so they have a 3-6GB RAM footprint to free up 10GB+ of the shared 16GB for graphics duty. If you watch any of the thousands of youtube videos showing the MSI afterburner overlay, you'll typically see the system using
well under 16GB RAM even while screen recording is active.
16GB is enough for a modern AAA game, Windows, a few browser windows, music and voice/chat - you only need more than 16GB RAM if you're running a high-end GPU at max settings and have a bunch of other stuff that would make your 16GB system low on RAM before you even opened the game.
while its not a huge difference, its there, and that's on a card slower than 3060Ti, and not even using things like rebar, where i doubt having 5-7GB/s less, wont matter.
heck just even looking at kits, 3600C18 runs at least at the same level as 3200C14, while usually same/cheaper, and definitely more common to be found in shop than 3200C14.
3200 C14 is on the expensive, premium side of 3200 RAM, the cheap 3200 kits similar in price to 3600 CL18 were all CL16 over here.
Absolute latency in ns is the most important factor for DDR4 on Zen3, but if two latencies are the same, then the RAM with the higher clock wins - not because of the bandwidth, but because the CPU's infinity fabric is running faster.
AMD always said 3600 was the performance sweet spot beyond which you were looking at very marginal gains for increasingly exotic and pricey RAM. For most of AM4's lifespan, 3200 was the best performance-per-dollar at ~95% or more of the performance of 3600 and typically a significantly (10-25%) lower cost.
The preferred offerings on AM5 boards still aren't financially sound or perpetually MIA/OoS.
I'm almost done with an upgrade at home from 5800X3D to 9800X3D. Grabbed an AM5 board from work and ordered some fast 6000 CL28 Flare X5 ready for when the 9800X3D comes down to its MSRP (or below). It's been at scalper prices for at least the last 3+ months and is finally appearing in stock at MSRP.
As for gaming performance, nothing apart from the 7800X3D or 9800X3D are enough of an improvement over a 5700X3D to merit spending all that extra money on a new motherboard and new RAM. The 9700X is a good all-rounder at $315 or so, but it's ~$550 if you also have to buy a new board and DDR5, compared to the ~$200 5700X3Ds have been selling for recently. Yes, the 9700X is a bit faster than a 5700X3D, but it's $200 vs $550 and they're often neck-and-neck in gaming (only) performance.
AM4 is AMD's strongest compeition at this point. It's been around for so long and there are so many good deals on new boards, plenty of decent used bundles on ebay - and still good brand-new CPUs coming out of AMD to keep the platform relevant. I suspect the 5700X3D is the last product we'll see on AM4, but even as a dead-end platform, it's valid. It's not like Intel Core Ultra 285K has any future either, LGA1851 is looking to be a single-generation platform that will never get any faster CPUs, so it's unfair to call AM4 a bad investment in 2025 when you look at the competition's paltry platform life.