I've never seen a single article or case of the IMC on a Ryzen processor burning out or otherwise having issues from using 4 DIMMs. As Techspot showed on a Ryzen system, there's no performance difference between using 2 and 4 DIMMS for the same capacity. Also as TechPowerUp showed with Zen 2, and will likely be the same for Zen 3, there is very little difference between memory speeds especially past 3200mhz.