Yes, it is confusing, because many of the answers in these forums are only half right.
The following applies only for the 2020 27" iMac:
1. The most sure way to ensure full memory speed (and dual channel) is to have all sticks (whether two or four) 100% identical in every way, including size, brand and part #.
2. However it is possible to mix two sticks of brand A with two sticks of brand B, and still retain full speed AND dual channel (yes, really), provided they are the same size (GB), by putting them in the unusual order: A-A-B-B.
3. It is absolutely not possible to retain both full speed and dual channel if the sticks are not all the same size.
Please don't ask me to explain why. Too time consuming. There are long threads on this that you can read.
Crucial has a stronger following and reputation, but OWC and Timetec also have "Made for MAC" sticks that they guarantee.
Hope this helps