DDR5 AND DDR4 MEMORY MATTERS
The 12th Gen Core processors have memory controllers that support either the latest DDR5 memory or existing DDR4 memory. So it's nice to know you have a choice. However, which memory standard you can use comes down to whether the Intel Z690 motherboard you've chosen is built for DDR4 or DDR5 memory. At the moment we've yet to see motherboard models with implementation for both memory types like in the old days where dual memory type options existed. However given the vast differences between both memory types such as onDIMM memory voltage regulation for DDR5, it looks unlikely that a motherboard can support both memory types as it will escalate board design complexity and price. So choose your motherboard wisely in advance.