Even on regular AMD 7000 and 9000 series the DDR5 memory controller is very sensitive and hard to get a stable system with fast RAM on many motherboards when all 4 modules are present. At today's RAM speeds, I definitely think a stable soldered system is increasingly a better trade-off.
Indeed. I have an AMD 9950X and an Asus X870E* motherboard. I can barely get the system to boot with one 32G DIMM let alone 2 or 4, and 48G DIMMS are even worse for some reason. I have tried 3 different "matched" sets. Sometimes I have to reset the system 3 times or more before it will boot; it hangs or crashes on DDR timing BIOS codes. I have given up and just use a single 32G despite how useless 32G is in a high end desktop today. Real joke. Huge waste of money. I will buy prebiilt systems in the future. In the meantime if I need a lot of RAM I use an Intel 14900K desktop or my new HP G1a Zbook.
* ASUS X870E ROG CROSSHAIR HERO AMD AM5 ATX Motherboard