fwiw - mainboards with fans make me *very* nervous
In the not too distant past it wasn’t uncommon for cpu cooling fans to seize due to dust build-up after 3 years, give or take. At this point, most vendors have figured out that a slightly larger fan will substantially extend the fan's service life to around 5 or more years before the fan typically fails. Except, of course in dusty environments...
What has remained a problem are the fans used to cool many video/gpu cards. Vendors still use the smallest and thinnest piece o’crap fans they can for video cards and I’ve replaced so many of them after about 2 years or so in service that I now carry about a half a dozen different fans in one of my parts kits. When the fans on a graphics card slows down or nearly stop, all kinds of odd video and other behaviors start to creep in. This problem is so common that I recommend using air in a can to remove the dust from these fans ever year or so.
So anyway, cooling fans can become a time bomb if not watched and cleaned periodically.
WRT memory configuration, as much RAM as the computer will accommodate is always a good guideline, even tho the added RAM translates to added heat for the fans to remove....