I do have repeated, annoying instability with my Ryzen 5900X desktop. I find AMD to have a much narrower setup window in terms of memory speed, timing, etc. and that is before any kind of overclocking. And the motherboard / bios firmware situation always seems a bit more sketchy for AMD.

Maybe it is just bad luck on my end, but I have not had those issues with Intel in the past or currently.

It's bad luck on your end. I have 3 AMD-based "desktops", never had a single problem with any of them. I just throw whatever memory in and it just works. These are being used more as servers than desktops, with large RAID arrays, HBA cards, tape drives, etc. They're consumer-level systems - Ryzen 7 5700G, Ryzen 5 2600, Ryzen 7 7800X3D.