It depends on your other hardware. Sometimes, an early motherboard release requires a BIOS update to handle higher memory speeds. Ultimately, though, you had best be careful per your second questions.
Go to the manufacturer's website for the memory brand or model you want, look for a "configurator" link, and see if your motherboard is in their list. Alternatively but no less useful: check the motherboard's QVL list to see if the manufacturer's model line is represented, even at a different speed spec.
The only other variable is the quality of RAM for meeting the touted spec. I use G.SKILL almost always. They never miss their mark. If they say a 3200 or 3400 kit will run at that speed, it will. Of course, if you're pushing the higher reaches of performance RAM, it will cost more and there may be more "shortcomings" among the available kits across manufacturers. And that's only logical inference. I can only vouch for my G.SKILL TridentZ kit.