I have one that is probably similar (nov.20), it mostly sits 3600 idle (with upticks to 3720),but can boost to 4675 on stock 1.288v max.
If i couldn't get 4600+ at full load i probably would have rma.
Many OC forums don't really care about the 3600-3666 clock on idle.
So i suppose it comes down to whether your happy with a lower idle/temp (and max clock reaches/exceeds specs) or think later resale value will be an issue.
Ryzen 5 5600x, B550 aorus pro ac, Hyper 212 black, 2 x 16gb F4-3600c16dgtzn kit, NM790 2TB, Nitro+RX6900XT, RM850, Win.10 Pro., LC27G55T..