I'd go 2 sticks in most cases if I'm not maxing out the board... better option if you ever think of increasing ram. Daft as this might sound but some games are now starting to recommend 32GB of ram so keeping that option to increase the ram easily is always a good thing imo.
Having said that I can say quite happily that on a b550 with a 5950x I can run 4x32GB 3600c18 sticks using it's xmp profile (corsair vengeance lpx) and it performs no different to 2x32GB 3600c18 (yes that is 128gb of ram, I do 3D design as well).... at least in my case anyway.
IIRC 400 series boards would restrict 4 sticks to 3200mhz, while 2 sticks could do 3600mhz... so this might be some of the reasoning behind using 2 sticks instead of 4 for AMD.
The only thing that might make a difference (and this is minor) is timings, you might be able to get a faster cas rating on 8GB sticks versus 16GB sticks but it's hardly worth the effort imo.