DDR4 is not likely to reach 4400 with four sticks either, that is a pretty extreme overclock and getting 4 sticks to do it may be a challenge.
DDR5 has a type of ECC built in, so in terms of stability, pretty much always going to be more stable. Each individual stick is kind of equivalent to a DDR4 dual channel pair as well. DDR4 = 1x64 bit channel, dual channel is 128 bit. Each DDR5 stick is 2x32 bit, also for 128bit, but you get some of the benefits of dual channel operation with a single stick of DDR5.
DDR5 should use less power.
No real reason not to go for DDR5 if it is an option. But if you are really want 64GB, then 2x32GB is a good DDR5 choice. If you can justify 128GB of memory, than speed isn't that important, capacity is more important. Even then, you can probably pull off 4800 or 5200 speeds.