The DDR4-3200 CL14 part is also a strawman argument. Low latency memory is hugely more costly and nets very little benefit. My B-Die 3200 CL16 can easily do CL14 timings @ 3200 (but I prefer CL16 @ 3466, which nets about the same performance). I'm pretty sure that something like DDR4-3000 CL16 would be perfectly acceptable and net 99% of the performance.
Also regarding paying more for less ... I would certainly prefer a R5 2600 which i can upgrade to a 3xxx/4xxx series, once the CPU really becomes a limited factor, rather than be stuck with buying the top-end Coffee Lake for the same price.
The OP doesn't overclock. He made that explicitly clear. The most we can probably expect him to do is run XMP settings on the memory and call it a day. I agree with you that memory can be tweaked, I can run my DDR4-2666 at up to 3200 speeds too with extra voltage, but I've been overclocking and tweaking since my teenage years. I overclock because I can, not because I need to.
Some people just prefer simplicity without tweaking and mucking around with BIOS settings and having to test stability with every step, and I totally understand that too. The OP is probably like that, which is why I think getting an i5 8400 / 8500+ H/B series motherboard + 16GB DDR4 2666 would be a great budget option, with a 8700 being the pricier but obviously superior option.
An R5 2600 with a view to upgrade further down the track is an option too, but it is also the costlier option in the long run, since you will have to spend money again to upgrade the CPU. There is also no guarantee that a Gen 3 Ryzen will be any faster than current CFL chips at gaming, it is still too far in the future to speculate.