My Home PC is from 2019, it has DDR4, it gets most things done, and I have never felt it was sluggish or anything. Maybe not the best gaming rig, but I get by.
Home server also runs ddr4 and does ok, but that has been hitting more cpu bottlenecks now rather than memory.
That said its kinda sad personal users are getting tossed back a generation due to current generation ram being almost all gobbled up for AI.