Max Tech did a video where he examined the effects of different amounts of RAM which you may find helpful.
You know, the more I think about this Max Tech video (and I must say that I'm not giving it too much thought), the more disappointed I am in him (and 9to5 as well). Here's somebody who's crafted an image of himself as striving to provide "neutral" advice, buying recommendations based on typical use scenarios, and benchmarks and comparisons that often split hairs on the differences between processors, graphics options, SSD speeds, etc. All in the name of buying efficiency: buy what you need, buy what's going to give you the best performance in your use case, buy this, buy that. But then he goes and suggests a workaround to the 2133MHz issue that drops dual-channel support. Neither Max Tech or 9to5 commented on this in the video. They effectively just say, "hey, look it drops to 2133MHz. That's strange." Whatever the cause of the 2133MHz, dual-channel is dual-channel and when you mix modules of different sizes in the same DIMMs it harms performance. Dual-channel isn't unique to the 2020 iMacs, so they should have at least been aware of this before pumping our endless videos pushing affiliate-linked RAM upgrades. The performance impact can be significant in many situations, certainly more than the difference between the i7 and i9, say, which Max spent so much time discussing. "Get the i9, but configure your RAM like this and it will perform like the tier-1 i5"
Compounding this is Max Tech and 9to5's unwillingness to acknowledge that there may be an issue to warn potential buyers of, or that their advice may be problematic. There are numerous comments on both videos (not by me, I swear! 😄) that articulately explain why the 9to5 memory configuration is a bad idea. Both channels themselves have "liked" videos posted before and well after these comments, and neither have addressed the issue by way of a comment or another video, which given the frequency that they upload, wouldn't be asking too much.
I realize that this isn't surprising to a lot of us on the forums, but for semi-knowledgeable buyers, even if they may not be fully impacted by the loss of dual-channel, it's just irresponsible advice. Given drewski_t discussion with Apple, it's pertinent to know that if you want to upgrade your RAM yourself you must be willing to discard and replace the Apple stock RAM, and whatever ungodly sum Apple charged you for it, instead of adding to it with compatible memory.