becontroller :
So anybody understood my second example?
Im not a fan of overclocking,i dont like reducing my overall lifespan components.
I dont want to overclock anything.
I just want to know,if is always better to buy the maximum speed ram by default available in a board.
How can i make you guys understand what im trying to say...
We undestand what you are saying.
First off your fear of wearing out components is unfounded. Unless you overclock the hell out of your parts and jack the voltage way high your components will be way obsolete before you ever wear them out.
Secondly its always best to get the fastest rated memory you can (within reason, i.e. I wouldn't spend $100 extra for 200mhz more), BUT while your board may support up to say 3866 memory your cpu may not. Keep in mind DDR4 for example natively runs at 2133 or 2400 mhz depending which model you buy. When you buy DDR4-3200 all it is is 2400 memory with an XMP profile up to 3200mhz, and rated stable at that speed. Meaning its perfectly safe to run it at that speed with the OC required to get there effectively "forever".
But back to the CPU, for example in your case you have an i5-7400 you mentioned. That CPU is locked. When it comes to XMP profiles for memory to be stable beyond a certain point it may require a small OC to the CPU, again nothing that would hurt it. Your CPU however cannot be overclocked. The fastest I would go is DDR4-3000 with your CPU, anything faster won't be stable because your CPU cannot be overclocked to match it.
Theres no hard answer to your question, it depends on board and CPU. The only reason you can even run that memory is because you have a Z270, most people who buy locked CPUs don't even bother to use that type of board they stick to a B250. But you're not going to break anything running fast memory.