Most ddr5 is rated for 2 channels. 4 channels isn’t the same - so if you got 2 2 stick kits it’s not rated for what you think. Only 4 channel kits are rated - all 4 dimms together in one set.
I have an Asus board with no supported combination of 4 channel, yet I use 4 channels x32gb for 128gb. My ram is trident z5 rated at 6900mhz but I can only get it to post at 5200mhz, and it shows errors in memtest386 at 5200. So I underclocked it to 5066 and it passes all 4 passes of memtest386 successfully.
So I have 128gb of rram, 933mhz slower than rated, 100% stable.
Nutshell, you might have to experiment with speeds to get a stable setup but 4 channel at a slower speed is just as fast if not faster than dual channel at rated speeds.
Yeah, I have a 14900k with 2 990’s in RAID 0 and a 4080, so a small hit in ram perf isn’t a deal breaker. I have to have 128gb of ram for work, so accept the slightly slower clock speed.
I’m not jonesing for frames. I have a 240fps gsynch g9 and run 120fps in pretty much every AAA game.
Mostly just telling OP to slow the memory down a bit and they’ll be ok most likely.
My machine is 100% stable on 4 channel even though it’s not officially supported at 5066mhz.