"The problem I see with the AM5 socket is simply the fact that DD5 RAM to support it is just too expensive."
DDR4 is basically just as expensive. At least DDR5 gives on-chip error correction (not as good as full ECC).
For a geneal computer, there's not that much difference between AM4 and AM5 unless you really want the extra speed of DDR5, PCI 5, and the newest processors. You can build a very capable AM4 machine for slightly less money, but that savings is found on the CPU and motherboard, not on the RAM.