It all depends on what you do and what you can do. 16-16-16-39 @ 3600 is a damn site better than 16-18-18-48 @ 3200. It's not just Cas or speed to consider. If you dropped the cash for some C14 3200, then you'd be close to C16 3600.
Ryzen runs infinity fabric. That's the communication between its cores. It's based on the rams Data rate. So the faster the ram, the faster the cpu can think and do stuff. But there's a caveat. A cap. For 2nd Gen Ryzen, it was 3466MHz, so 3200 became the sweet spot, fastest ram. For 3rd gen, that cap was bumped to 3733MHz, so 3600 is the sweet spot. That's with the IF at a 1:1 ratio. Above those speeds, IF automatically switches to a 1:2 ratio, cutting the Data rate in half. If you know where to look, tinkering can change that on some mobo's, but for most, 3600 on a 3rd gen is as good as it gets.
You assume the 3200 will OC to 3600 levels, it stands a good chance of not being binned for such and maybe only being stable at looser timings at 3466MHz. Better off getting the better binned 3600 ram