I just upgraded from the same CPU as you, though I went for the 14700k.
IMO, if you’re like me (which appears to be the case), I do a new build every ~7 years so I would get the 14900k. The cost difference is peanuts over that period of time and you may as well get the latest for the socket (and it seems like there are some 14 gen only features).
I’m using a 7200 kit with no issues. Just turned on the XMP profile and go.
14700k
Gigabyte Z790 AORUS PRO X
G.Skill Trident Z5 RGB 48 GB (2 x 24 GB) DDR5-7200 CL36