That's pretty much incorrect and has been since Intel started putting the memory controller on the CPU. Using the 'official' supported speed has always been a performance hit. This is even more true since DDR4.
Unless you're doing a budget build with a locked chip you want the fastest RAM you can afford.
Skylake - DDR4 3200
Kaby Lake - DDR4 3600
Ryzen you have to be sure what you're buying. Generally 3200/14 guarantees Samsung B-die ICs and that's the sweet spot.
For ryzen you do indeed need the fastest you can afford as I mentioned earlier.
For Intel it does not really matter what speed of ram you choose.
Here is a link for Metro: Last Light and GTA5 comparing DDR4-2133 up to DDR4-3733 using Skylake.
As you can see both are essentially a straight line.
http://www.legitreviews.com/ddr4-memory-scaling-intel-z170-finding-the-best-ddr4-memory-kit-speed_170340/5
This is in fact, pretty much correct lol.
But I guess to be fair, when the price of the computer exceeds $2500 an extra $100 on ram also isn't very much of a difference.
The super high end DDR4-4600 on the other hand will be a massive increase in price, but also a very small increase in fps for intel motherboard/cpu.
G.SKILL TridentZ Series 16GB (2 x 8GB) 288-Pin DDR4 4600 (PC4 36800) is $430
G.SKILL TridentZ RGB Series 16GB (2 x 8GB) 288-Pin DDR4 3866 (PC4 30900) is $260
G.SKILL Ripjaws V Series 16GB (2 x 8GB) 288-Pin DDR4 2666 (PC4 21300) is $163
"I don't work for G.Skill, they just happened to be at the top of the Newegg list when I queried prices"
If the question is will DDR4 3866 give me a massive fps increase over DDR4 2666 then the answer with an Intel motherboard/cpu is no.