Honestly, for a budget-friendly upgrade that's safe, I'd go with Crucial 16GB Kit (2x8GB) DDR4 3200MHz CL22 CT2K8G4SFRA32A. It's usually under $40 and...
For your situation, I think you can actually save some cash without losing out on performance. Since you're looking for solid VRM cooling and PCIe 5.0...
In my experience, you really dont need to overpay for those crazy high speeds to get a stable system. Honestly, I’m pretty new to the whole DDR5 lands...