TBH the picture of the Kioxia does feature this chip on it. K4A4G165WF-BCTD
There is no information about DRAM on this so doubt it has dram.
Cheers, I thought the Exceria would get the vote for being DRAM but the SN550 seems to get good reviews even without it. Although, like you say, at the price point and for my average use probably not much between them. Might go for this as works out cheaper due to Amazon vouchers I got cheap. 5 year warranty on both will probably outlast my laptop!
Orignally the SN550 was pretty good but they changed some components so it's not as good as it originally was. In all honesty it probably performs much the same as this Kioxia, both are more budget oriented but probably fine for the average user. Heavy duty users might look elsewhere, if you're into working with larger files, editing etc.
Very good price (y) 5 year warranty.