Absolutely zero problem, I have literally no rush about this whatsoever.
If anything I will wait anyways until I paid off more of my debts. It’s all theoretical.
Whatever CPU you have won’t support DDR4 either. When memory controllers went onto the CPU die, it locked them into supporting whatever they were designed for and nothing else.
My CPU is one of the rare generations that crossed with both 4 and 5 support, a few from that time period did, but not really prior to 5’s intro.