I evaluated ddr4 vs ddr5 a year ago, and it wasn’t worth it. Chasing FPS and the cost to hit the same speed in ddr5 was just too high, and I’m glad I did. I’m on a 13700k and I’m also very stable. However, with the stock XMP profile for my ram I was very much not stable and getting errors and bsods within minutes on an occp burn in test. All I had to do was roll back the memory clock speed a few hundred mhz.