I do not see how instability would make the PC slower, it would crash it, maybe. But slow it down ? Don't see how.
Semi ECC VRAM and semi ECC RAM just gets slower as it becomes more unstable. Same goes for IF clocks that down clock and don't resume the proper frequency.
That's how.
When you have understanding of how and why these frequencies work, you start to know why locked clocks are desirable.
Gear down/power down, mobo algorithms setting subtimings each boot, variable voltages etc. These all cause issues.
DDR5, GDDR6 AND GDDR6X are all semi ECC BTW.
So no, it's not just data corruption that results from dynamic clocks/unstable systems (including those that are "stable" at boot, but become unstable over time due to temps, clock switching etc.
All voltages and frequencies should be determined manually, not by mobo algorithms, or you're basically asking for trouble on Zen.
When system is under load it doesn't downclock, hence the issues that slip past stability tests.
DPC latencies are a good way to tell if your clocks are screwing your experience.
Funnily enough despite the raving of how good the Zen 4 framework 13 is, it has 3x the dropped frames in video playback as tested by notebookcheck.net than the raptor Lake variant. Lo and behold, DPC latency issues and web browsing latency spikes.
Somehow has 17.5ns higher memory latency with 5600 soldered RAM too compared to 3200/22 JEDEC (no XMP) DDR4 SODIMMS on the Intel.