it honestly doesn't make any real difference having your RAM split into 4 sticks vs 2 sticks since it's all dual channel regardless.
Having 4 sticks just looks nicer since it fills out the slots on the board, but 4x4 kits cost more money.
And 3200MHz is WAY faster than 2400MHz.
By a long shot.
Not to mention that the general performance of Ryzen CPU's is heavily tied into the RAM speed.
To help put that into context it's basically like this:
We all know that core count/thread count is important.
We all know that clock speeds are super important.
But with Ryzen, RAM speed is extra important as well.
Let's take this as an example.
You have a Ryzen CPU (doesn't matter which one)
It's clock speed is locked in at 3.8GHz on all cores.
That CPU when put to the test, will perform slower and worse at tasks when paired with RAM that runs at 2400MHz than it will with RAM at 3200MHz.
Doesn't matter. Plain and simple, the faster the RAM, the better performance you get from the CPU when compared to running slower RAM on that same CPU.
However, there is a point where you get diminishing returns on performance uplift once you go above a certain speed on the RAM.
This turning point is 3200MHz.
Going from 2400MHz and up to 3200MHz you see huge performance uplift as you go up in speed.
But once you start going past 3200MHz, the uplift in performance is much smaller in increments, but you spend a lot more money to get those higher speeds making the investment not very worth it for the average consumer who wants to save their money.
Not to mention that going above 3200MHz will most likely require you to buy specific RAM models listed on the QVL (Quality Vendor List) for the motherboard you plan to use, since going above 3200MHz tends to result in not quite actually being able to run the RAM at those rated speeds on Ryzen boards more often than not, making the investment into higher speed RAM not worth it either.
3200MHz is the sweet spot for Ryzen.
And if you don't care about RGB, don't care about how the sticks look themselves, and only want/need 16GB and to save money, then get the 16GB corsair kit for $79.
Yes, it's a few bucks more than the Ripjaws V kit, however, they are low profile, so they don't stick out as tall from the motherboard and are better for clearance of things like CPU coolers and stuff.