I'm just not sure about the 3200vs3600 because of the higher latency figures on the latter?
You have to make sure not to confuse RAM timings and the absolute latencies that result from them. RAM timings are set or entered in the BIOS as clock cycles, but one clock cycle at DDR4-3600 is 12.5% shorter than at DDR4-3200, because the frequency is 12.5% higher. So you really have to look at the nanoseconds of the resulting absolute latencies to compare it fairly.
DDR4-3200 CL16 results in 10 ns CAS Latency
DDR4-3600 CL18 results in 10 ns CAS Latency (because 16 * 1.125 = 18)
Full primary timings to absolute latencies:
DDR4-3200 CL16 20-20-38 = 10 ns, 12.5 ns, 12.5 ns, 23.75 ns
DDR4-3600 CL18 22-22-42 = 10 ns, 12.22 ns, 12.22 ns, 23.33 ns
The absolute latencies are essentially the same, those slight differences are irrelevant and owed to the fact that the timings can only be full clock cycles. We can't see the secondary or tertiary timings, but they should also be comparable, relatively speaking.
But there is one undeniable advantage that the DDR4-3600 kit has here: 12.5% higher bandwidth. In light of this, a 10% higher price seems appropriate. The only downside of DDR4-3600 is that it's a bit more challenging for the memory system, for example the MSI BIOS will probably automatically set the memory-related voltages a bit higher for that kit, compared to what it deems necessary for DDR4-3200. This is another problem of leaving things completely in the hand of the BIOS or the RAM's XMP profile: Both err on the side of caution / stability, sometimes excessively so. For the RAM, the secondary and tertiary timings in the XMP profile are often exceptionally loose to prioritize stability, and for the RAM-related voltages, the board's BIOS (not just on MSI) will sometimes set sky-high values to ensure stability under all circumstances with all kits. This can go so far as to setting borderline dangerous auto voltages with very high-frequency RAM. Not for the DRAM voltage itself, but for things like VCCSA (System Agent voltage, a RAM-related part of the CPU).
Since this is all fairly complex subject matter and not easy to understand for the average buyer - plus manual adjustments always require stability testing - it's often easiest to make sure to get a decent enough XMP profile and stick to that, if you don't want to spend any more time on fine-tuning. In light of that, i would recommend the DDR4-3600 CL18 kit. However, if RAM performance isn't your utmost concern, and you rather save a bit of money and potentially have less trouble getting the XMP profile to work, you can also get the DDR4-3200 CL16 kit.
Please note that with Z690, as i now see i also mentioned in
this thread where we talked about your possible purchases before, the BIOS is still immature. The intervals between BIOS updates are a bit longer than what i had anticipated. There might be some hiccups with XMP support still. But they should be ironed out eventually. The QVL for the RAM is often quite spotty, especially with very high-capacity kits, as they are not all too popular. But i wouldn't let this influence my buying decision too much. Almost all popular kits will still be able to run on there in the end.