Most review sites I have seen ran the i5-10600k with DDR4-3000 or DDR4-3200 as baseline. THG is the only one doing only 2666MT/s for the stock setup. Doesn't make much sense to pay the significant premiums for Z-series board and unlocked K CPU only to cheap out with DDR4-2666 which is only $5-10 cheaper than DDR4-3200 and practically guaranteed to work regardless of official support status from Intel.
DDR4-4000 is far from being the most expensive memory available. Prices have actually come drastically since the last time I looked:
- 32GB of DDR4-2133-13 starts from $110
- 32GB of DDR4-3200-16 starts from $110
- 32GB of DDR4-4000-18 starts from $140
- 32GB of DDR4-4800-20 starts from $240
- 32GB of DDR5-4800-40 starts from $260 if we only consider in-stock prices
So, right now, some of the most ludicrous DDR4-4800 currently available would obliterate DDR5-4800 on latency (half as much) without giving anything up on bandwidth and still cost $20 less.
At this point, DDR4-4000 sounds like a really reasonable budget option for 12th-gen.