so weird...my b550 has quick bios flash and its own usb port for bios...
first boot on 3200mhz ram & 5600x, Fuck all happened, DRAM warning lights all lit up

completely dead.
uploaded latest non-beta bios on usb stick...held down the bios button 3 seconds on boot and started flashing like crazy the usb stick & tiny led light on motherboard....5 minutes later it automatically rebooted its self and picked up the ram and new chip.
Yay.