For DDR5? Depends how much you care about latency:
The $342 Crucial kit is kinda a no-brainer for 128. Its timings aren’t great when overclocked, but it’s 5600 MHz out of the box, low voltage, and significantly cheaper per gigabyte than many 64GB/96GB kits. See for yourself:
The overclockability matters even less if you are on a 7000 series CPU.
I got the 1.25V Flare X5 kit because I wanted tighter timings for sim games, albeit at a MUCH lower price ($390) than it is now.
RAM prices seem to be rising (hence the price of my kit spiked by $200), so now is not a bad time to buy.