Squeeze timings yourself or buy ready-made RAM?

Question

RAM

Planned to buy i5 10400F on B460 chipset. Accordingly, for i5 on this motherboard, the maximum RAM frequency is 2666 MHz.

Which option is more acceptable?

1) Buy Kingston HyperX Predator (8 Gb x 2) with 2666 MHz (13-15-15) and leave as is - the price is 7 thousand.

2) Buy Goodram Iridium (8 Gb x 2) with 3000 MHz (16-18-18), and then tighten the timings yourself - the price is 6 thousand.

Answer 1

And why overpay if the frequency is still not used 3000 MHz? Take 2666. Well, maybe 3000 if it's cheaper or costs the same.