DRAM speeds is one thing, but you should also account for the data rate of the PCIe bus (and/or VRAM speed). But yes, holding it "lukewarm" in DRAM rather than on NVMe storage is obviously faster.
Four channels of DDR4-3200 vs two channels of DDR5-6400 (four subchannels) should come out pretty close. I don't see any reason why the DDR4 configuration would be consistently faster; you might have more bank groups on DDR4, but I'm not sure that would outweigh other factors like the topology and bandwidth of the interconnects between the memory controller and the CPU cores.
LLama 3.1 however is not MoE, so all params are active.
For MoE it is tricky, because for each token you only use a subset of params (an “expert”) but you don’t know which one, so you have to keep them all in memory or wait until it loads from slower storage, potentially different for each token.