You are very patient. I'm not sure about skipping this generation, because who knows when we will get ECC UDIMMs for AMD cpus. It could be late 22 or or even mid 23.
ECC on AMD seems quite hard in practice even though the CPU support isn't artificially limited like with Intel. Making sure the motherboard supports it is hard and then the RAM options are extremely limited and generally quite slow and expensive. Threadripper is maybe better but that's quite a jump in cost. It would be so nice to finally be able to assemble low-cost home servers and workstations with ECC but it remains a niche where you have to give up a lot to get it.
I've been waiting for DDR5, I knew it was coming and my PC runs the games I play just fine on DDR3. I do have a Thinkpad p51 that has Xeon/DDR4, so I didn't completely skip DDR4.
