vMax :
So just to be clear, even if the motherboard states it will support DDR4 speeds above 2666 i.e. 3000, 3200, 3400 and on in its QVL list for supported RAM, I am still not safe?
Possibly. Not every case is the same, so it's highly recommended that ANY time you run memory at speeds, voltages or timings that are different from the default Serial presence detect speed or SPD, which for DDR4 is 2133mhz, that you run Memtest, and if you really want to be sure it's all good, Blend mode in Prime95 version 26.6, for a period of time to ensure that on YOUR system, that speed, that voltage and those timings, are stable.
A given motherboard might support ten or more different processors. Not all of them are going to react the exact same way to memory configurations, or other things for that matter. Every motherboard, every processor and every system, is different, even if they are MOSTLY the same.
vMax :
Why would Corsair, G Skill, Team Group, Kingston et all even sell RAM above spec with warranties if there was an issue, seems like this must be a very rare issue provided you are running the RAM at the right speeds that the RAM maker has made it for and that the motherboard has said is okay...
Because they can. 90% of users won't even know that they need to configure the memory to run at speeds other than the default speed, and the rest will either already know how to do this or will figure it out. I assure you that the speeds listed are not guaranteed. Ever. Ever. Ever.
In most cases, the advertised speeds are even for only two modules. There are TONS of cases where four DDR4 3600mhz modules won't ALL run at that speed, but two will, and might even overclock higher than that. And yet won't run at that speed with four modules regardless of what you do. Seems like you are not terribly aware of some of the specifics regarding memory considerations, so you might want to take a read of these highly informative, but relatively basic, write ups. I can provide far more technical documentations that you should know if you care to go much further into things, if you wish.
https://www.tomshardware.com/reviews/ddr-dram-myths,4155.html#p1
https://www.tomshardware.co.uk/ddr3-dram-faq,review-33220.html
Also, these are micro-errors I'm talking about. Not blue screens or shut downs. Most people won't even know it's happening unless they specifically test for it, or later on the system starts having problems after working fine for a long time due to the micro-errors cumulatively being introduced into the OS, applications and user files without them even realizing it is happening. It's called slow corruption, and it can happen even with stock configurations if there are problems with the memory that are not bad enough to trigger obvious error situations like a blue screen.
A wrong zero here. Two many ones there. Pretty soon the whole works is corrupted, and cannot be fixed except by starting over again.