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Most motherboards will set max 1.35V SA/IO when you go up with memory clock so when you leave it at auto then it will eventually start to crash because of too low voltage. I guess no one will tell you if it's 100% safe but it seems reasonable max. For 24/7 work it's better to set something like 3600 CL15 1N or 4000 CL16/17 if you can set 1N. My current Z390 motherboards have problems with stability at 4000 1N. If you can't set 1N then 4266-4400 usually work fine at 18-18-18/19-19-19 1.35-1.40V.
Out of competitive benching, I wouldn't really care about the highest memory clock as the difference in games or most other things is barely visible. Everything depends on the used application. Some are not scaling good above 3600 while some base on memory bandwidth rather than access time. Still max bandwidth is a mix of high frequency and low enough timings. AIDA64 is usually showing it good.