Yea ddr5 is still pricey, but for people on older generations it makes more sense than buying into a older platform, not so sure RL will be much different but moving forward with ML AL then yes i can see some gains. Really depends on how AM5 grows but at least it has support until 2025. The x3d's if too close in price to the non is going to make prices fall i feel, but then they will anyway as Intel and AMD are closer to each other than in a while.
If I ever do upgrade this system it'll be at the end of AM5 and being honest atm idk how i'd do anything, putting the GF through college is my focus these days, it's resonable at least.
My system is fine for a while and stopped buying games just going to time out the humble as well each month pick things up on sale few i want but yea not paying for it, even thou i often use cdkeys etc.
I think it makes sense to go AM5 if your ready for an upgrade you know Intel will change socket much sooner so tbh it makes more sense imho.