Those DDR4-3200 kits might be OK if they are Plug-N-Play and run at that speed by default, using only 1.2V.
(Kingston HyperX Fury modules are such examples).
Aw, man. Didn't think of that. But it seems that every kit I've been considering is DDR4-2400 by default, including HyperX Fury. I can't seem to find a RAM kit which runs at 3200 MHz by default. Can somebody please list examples?
I was about to choose Kingston HyperX Fury Black HX432C16FB3K2/32. Whether I really need 32 GB is a question for another thread. Currently I use 16 GB and I max out in certain situations. I'm at around 12 GB now without anything special going on.
Not really relevant to the question, but such modules are apparently somewhat rare outside SODIMM's intended for laptops and various other SFF PC's, few of which supported manual memory overclocking, or any memory voltage other than 1.2V, or had the cooling capacity to do much of either without rapid degradation.
They do come in at 1.2V and 3200MHz, but timings are usually relaxed when compared to regular overclocked desktop DDR4's at the same frequency, at CL22 to 20. The few - actually only one, from Patriot, in single module which I thought is inadvisable - desktop kits I could find in my brief search also fitted this pattern.
I've got such a kit to upgrade my main laptop just a while back. They are rock stable right now, but do get worrisomely warm under the laptop's metal shielding - And my laptop's BIOS redacted memory SPD and temperature data for some godawful reason.
It might be possible to replicate such combination of frequency, voltage, and timings on a good kit of desktop DDR4, even if they don't officially support such in their profile. But I wouldn't be so sure as those with official JEDEC DDR4-3200 profiles are doubtlessly binned to do so, and I had exactly zero experience in overclocking memory.
EDIT: And yes, definitely go for 32GB minimum, if you are maxing out on 16GB. Also do check if the 16GB modules are single- or dual-ranked, as dual-ranked modules (or double the number of single-ranked modules, i.e. 8GB each in kits of 4, for that matter) can provide a small performance benefit over that of two modules of single-ranked memory.