Yes. Xmp will let you get higher. Motherboard matters here more. I run 13700k and 6400 no worries on a z690 - but that it the QVM fastest.
Yes. Xmp will let you get higher. Motherboard matters here more. I run 13700k and 6400 no worries on a z690 - but that it the QVM fastest.
One thing to consider - socket lifespan. From your post you upgrade every 5 years or so?
In 5 years both sockets will be different. It’s likely we will be on DDR6, and there may be other changes that mean the motherboard you buy today is not completely obsolete. So you will change again.
My advice is buy what suits you today - if that’s a 14700k great (would be my biased pic). If it’s the 7800x3d equally as great.
Then enjoy. :)