I've only just moved from DDR3. It took a long time before I was caused any significant issues from RAM bandwidth bottlenecking. I suspect if you buy a new mobo and have DDR4 to carry over, you won't suffer for a few years. They simply can't start optimising for DDR5 over DDR4 until the market penetration is good enough.
It's tempting to say that we won't see any real gaming benefits from these new CPUs, (recent history says to me that over a threshold, CPU improvements provide such small FPS increases that there's almost always somewhere better to spend the money) but having seen CPU bottlenecking at 1440p in some benchmarks with the latest GPUs, it may not be the case.