I've had a 25% CPU overclock (2.6 to 3.25GHz) go unstable after 5 years. No doubt the higher voltage increased the rate of electromigration.
It all depends on how long you intend to keep your system.
Overclock now and regret later, or run stock and wish for more speed.
Check if anyone has run a comparison of memory speed improvements for your game(s), then run a few game benchmarks at 4800 and 6000MT/s.
I'm running 2x32GB DDR5 at 4800MT/s on a 7950X for stability in long video renders (up to 36 hours). I don't want the PC crashing near the end of a long run and have to start over.