The problem is that I tried running looser than the timings already.
MSI I can try the XMP setting or I can use the base 3200 setting for memory speed. If I use the base setup I end up with 18-18-18-48-2T timings where my memory is supposed to be at 16-18-18-38-2T. It couldn't handle 3200 speeds with the looser timings at all.
Not just the sub timings, but the voltages as well. Don't leave anything regarding memory on auto..
What did you put your system agent voltage to? On my board, I have it set to +0.220v offset for DDR4 3200. Since last night, I actually tightened the timings somewhat to 16-16-16-32 CR1 and it's still stable!