G.Skill has an Excellent warranty on their RAM.
As long as you didn't physically damage the RAM and have a valid reason to RMA it they will replace it with a new kit.
I recently had to RMA my 16 GB TridentZ RGB 3200 MHZ kit because Asus Aura corrupted the SPD info on one stick.
I sent it back and 2 days after they received it I had a Brand New kit in my mailbox.
And as a bonus my old kit had Hynix AFC (A Die) IC's and the new kit has Samsung B Die IC's.
That was the second time in about 30 years that have had to RMA.
The first time was about 20 years ago and it was G.Skill RAM as well (I was OCing it and overvolted it, which was most likely the cause of the failure) which they replaced in a few days.
That is the biggest reason why I have bought G.Skill RAM ever since.
Other than that I have only had cheap no-name value ram in an OEM PC fail, which I threw away and replaced with G.Skill RAM.
If I was you I would buy 3600 Mhz RAM (if you can find a 128 GB kit that is compatible with your MB) and just set the XMP/DOCP profile for it in the BIOS so it runs at 3600 MHz.
Ryzen CPUS absolutely benefit from fast RAM.
So why buy 3200 MHz RAM when your MB and CPU are fully compatible with 3600 MHz RAM?
And NO running 3600 MHz RAM at 3200 MHz (or 3200 MHZ RAM at 2133 MHz) will Not make it last longer.
Other components of your PC will fail years and years before your RAM will.
I put some G.Skill DDR3 RAM in a I7-870 PC I recently threw together from pieces and parts that I had laying around gathering dust.
That RAM is at least 10 years old and still works perfectly.
And if it didn't I would RMA it.