Four channels of DDR4-3200 vs two channels of DDR5-6400 (four subchannels) should come out pretty close. I don't see any reason why the DDR4 configuration would be consistently faster; you might have more bank groups on DDR4, but I'm not sure that would outweigh other factors like the topology and bandwidth of the interconnects between the memory controller and the CPU cores.
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Four channels of DDR4-3200 vs two channels of DDR5-6400 (four subchannels) should come out pretty close. I don't see any reason why the DDR4 configuration would be consistently faster; you might have more bank groups on DDR4, but I'm not sure that would outweigh other factors like the topology and bandwidth of the interconnects between the memory controller and the CPU cores.