To answer, yes and no. There's benefits to running faster than default and drawbacks. For benefits, it's entirely upto the software. With the size capable of ddr4 bandwidth, the chances of saturation especially in dual channel, are slim, so there's little opportunity for slowdowns and most times you'll not see any real benefit at all. Ram does work in nanoseconds after all, and with the sheer amount of small files games use, the transfer speeds are normally faster than the cpu can use. Meaning the ram is relegated to being a cache more than anything. Some games/software that's different. They are coded to make better use of faster ram, so fps can go up. Visibly so. Some games can see a 20-30fps hike between 2400 and 3600MHz. But it's entirely game dependent.
Drawbacks include more strain on the memory controller and result in higher cpu temps, the bigger the difference over default, the higher the temp. This is due to the work the mc has to do, higher speeds = more work. Optimum performance/temps are at a 1:1 ratio. Some ppl have issues with fast ram and high OC, just because of the voltages involved, lowering the speeds can result in a stable OC, that wasn't otherwise available.
So is it worth it? Mostly yes, if done within reason, there's definitely a point of diminishing returns, so going uber fast 4000MHz and it's massive price tag, for an extra few fps over 3200MHz usually isn't worth it. And most ppl aren't pushing ultimate OC, so stability is probable, and most ppl can live with the extra 2-4°C cpu temps under heavy loads.