I've gone for the 32Gb Dominator Titanium 6400Mhz.Warranty is a personal thing, I wouldn't really go for the gold warranty unless you have a fear. Typically, as in 99% of the time, any electronic hardware issues tend to present in the first 3-6 months. The silver warranty has you covered for a year from PCS but all other warranties are still in place (Ie the GPU is likely 5 years). It's worth considering but I understand it's not a whole lot of money for peace of mind. I would just question what you're actually getting covered that isn't anyway.
If you really want to push the boat out and go for all you can then the RAM could go a little higher. I wouldn't run higher than 6000Mhz but you could easily get one of the higher kits and get far lower latency. I reckon in the higher end kit you could see CL28 without too much trouble. This would be the performance peak for RAM on AM5. it would require manual fettling so may not be worth it for you.
Will I be able to use amd expo to configure it up to 6400mhz in the bios as I read that ddr5 ram in motherboard is preset at 4000mhz?
Or will I have to enter the timings manually?