The way you have it worded is incorrect referring to max OC'ing potential of a 3000 series Ryzen - At least some 3000 series chips can go beyond stock by more than 200MHz with ease, depends on the actual setup and who's doing the tweaking. The exact chip used is another factor, the obvious silicon lotto in play with that and something we all deal with regardless of who made the chip.
As for what to expect, true - The typical (Everyday/Common) setup may only see 200 or so beyond stock and that's based on the above (Setup + Lotto).
I've had my 3600x (Stock 3.8 GHz) above 4400 on air before and even did a run with it to see what I could make it do on air: https://hwbot.org/submission/4196135...00x_9sec_157ms
Mind you it was cold air but aircooling is aircooling you know.
If it were on water I could have gone above that no prob, the chip in my case doesn't mind going up as long as I can keep temps in check and that's not really a problem for me to do if I want.
And I can say just because it's Intel is no guarantee of what you'd get either. Have a couple of those here that doesn't go much above stock period no matter how hard I flog 'em and that's in boards such as a Socket 775 REX - Yep, got one of those.
As for RAM speed you are right about that, Ryzen LOVES high RAM speed and a good dose of FCLK speed to go with it.
In reference to the OP's question - The answer is obvious, you are the only one that can determine that based on what you get after you try it. If you like what you get, it's worth it - If not then I guess not.
And if you never try it, you'll never know.