You don't want to use more than two slots because you only have two memory channels. The overclocking potential of DDR5 is extremely high when you only run two DIMMs. All the way up to 8000. Meanwhile if you go for populating all four slots, you are limited significantly below 5000. Almost a 50% performance drop if you are willing to overclock your RAM.
If you want to run something that doesn't fit in 96GB of RAM, you'll get better performance from having enough RAM. Yes, having two dual-rank DIMMs per channel will force you to run at a slower speed, but it's still far faster than your SSD. The second slot per channel exists precisely because many people really do want to use it.
