Is 3600 MHz RAM Safe for My 12700KF CPU with Z690 Motherboard?

Great choice on the CPU! Just to clarify, DDR stands for Double Data Rate. For example, DDR4-3200 runs at 3200 MT/s (that’s 1800 MHz), while DDR5-6400 is 6400 MT/s (or 3200 MHz). The key here is the memory controller on your CPU, which can struggle with speeds over 2 GHz. Gear is basically a ratio for memory speeds. Gear 1 gives you a 1:1 ratio at 1600 MHz, so for DDR4-3200, that works perfectly. Your 12700KF can handle 3600 MHz easily, and it’s what a lot of people are doing successfully. XMP helps you set that up automatically without hassle.

Absolutely, you're fine to run 3600 MHz RAM with your system! While Intel officially supports up to 3200 MHz, enabling XMP 2.0 lets you use faster speeds without issues. Just a heads-up: Intel won't cover any warranty claims related to overclocking, but many users do it with no problems. It’s also worth noting that your -K CPU variant has an unlocked memory controller, so you could even aim for speeds like DDR4-4000 if you're feeling adventurous! Just remember to keep it in Gear 1 mode for the best performance.