But what is the actual payback on memory oc?
Bigger e-peen for starters.
I guess it's game dependent, but minimum frame rates in some titles. I guess any app that's memory dependent would also benefit to some extent as long as a person doesn't whack their ram latency during the process.
I've had DDR4-4400 running on my system with IF out of sync (1200 MHz, lulz). It was terrible. There are also some weird circumstances where people trying to run DDR4-3800 with IF @ 1900 MHz will get no gain in performance, even with timings identical to what they had at DDR4-3733. Some quirk of the IMC. Not everyone has encountered that problem. There are a few elite setups out there running DDR4-3800 CAS/CL14, but they're rare.
I'm going to play around with it sometime today and see what happens. I'm not sure if my b-die is worthy of anything higher than 3600 MHz, but might be able to loosen the timings? I'll probably just start by viewing Aida64 latency results to see what happens and take it from there.