Not planning on overclocking, I am just mainly using my pc for gaming. Also I figure I may upgrade as the AM4 platform reaches its end. I am not sure two more physical cores vs a higher clock speed really going help in gaming. I certainly can go up in budget, but 1080p still seems a sweet spot in teams of clarity for your buck. If anything I could be convinced into getting a better monitor and higher end graphics card.
IMO, everyone should consider to overclock their RAM. RAM is normally 2133 to 2666 at 1.2V, but can run closer to 3000, maybe 3200 if you spend a little bit more. Especially Ryzen CPUs, since the internal infinity-fabric syncs to RAM. So if you overclock to 3200 (from 2666), you make the infinity fabric run 20% faster.
RAM XMP settings automatically do this for you. Its pretty easy. Just be sure to do quality-control (IE: Memtest86) since you're above and beyond JEDEC specifications... but I've gotten defective RAM from the store before. So you really should be running Memtest86 anyway
(even at stock settings). Sooo... since you're running Memtest86 to test out your RAM (whether or not to return it), might as well overclock it. Especially if you bought XMP-ready RAM that has been factory-tested at these higher speeds.
The B450 seems
like it supports overclocked RAM. Its one of the easiest overclocks you can do (literally one setting to switch to XMP profile in the BIOS). So definitely consider XMP / RAM factory-tested overclocks.
Going above 3200 is difficult on Ryzen. But 3200 off of cheap Hynix dies is quite common. No need to overspend on Samsung B-Dies if you're only aiming for 3200 16-18-18 factory-default XMP timings. The cheap stuff at 3200 should work fine. The cheap stuff at 3400... might not work. I draw the line at 3200.
Fundamentally, XMP 3200 RAM overclock is just going to push your RAM voltage to 1.35. (DDR3 ran at 1.5V, so this "overvoltage" at 1.35 is quite safe and still relatively power-efficient). Your motherboard will also push the voltage on AMD's infinity fabric a bit higher (Vdd_soc to 1.1V). All of these settings are automatic, I'm just letting you know so that you know what your motherboard is doing when you push that "XMP" button. The higher voltage then allows the CPU to communicate with RAM much faster.
Yes, its less efficient than default DDR4 at 1.2V, but we're talking about 5W or so, at the most. You can practically ignore the extra power and heat that is generated, especially since any XMP-RAM will come with a bigger heat-spreader to work with the 1.35V level. The CPU will also draw a bit more power, because you've overclocked the Infinity Fabric.