AM5 Motherboard without breaking the bank

[Cooners]

I'm trying to price up a decent AM5 upgrade for later this year (need a saving target) so I can give my Nephew my AM4 board and 3900X. I don't want to go nuts and spend out for things that I don't need so these are things I'm thinking I want and also the things I'm not bothered about.
PCIE Gen5 (Seems silly not too)
1x 16X PCIE
1x 4X PCIE (in case I shove a SFP+ Card in there)
1x 2X PCIE (Got a 2.5G Nic in mine at the min)
4x DDR5 Slots
3x M.2 Slots (Can't see me having more NVME's than that)
4x SATA (doubt they'll get used other than to help other people get there data back)
1 x 2.5G Nic (5G is a waste as I can't see me ever having a 5G switch and if I go 10G it'll be SFP+ based)
RGB both on board and 5V and 12V headers (but can use hubs so two of each will be fine)
Project zero would be a nice to have

I don't need
WiFi (It'll be wired)
Shed loads of USB C ports (two will be fine with basic ones for keyboards, mice, webcams etc)
Boat loads of fancy stuff that you'll look at once and then never use

Any ideas?

 

[Cooners]

Still want that 16x pcie for the gfx card. Will be either a 5080 or 5070 ti depending how much they hike the prices.
I think the SPF+ cards needed something like 4x when I looked which is why I haven't done it yet as my slot is waaayy too close to the gfx card in my system to be shoving in a sfp+ card (that I think can run hot). It's the same with my other PC as that had a HBA card in the 16x slot leaving no space for a sfp+ card.
I'm surprised there's no B850 boards tbh. I don't mind the X870 but they all have features I consider overkill like WiFi

 

[Cooners]

You don’t need pci-e gen 5.

You also shouldn’t run 4 DDR5 DIMM modules BTW (if you were planning on doing do)

Edit: see here Thread '9800X3D RAM buying guide by Buildzoid'

I wasn't aware of not running g 4 DDR5 dimms, I was thinking more of running two now and having space to upgrade if needed later but I'll look into this as my old man is looking to add to his DDR5 and I was just going to get two more sticks of the same stuff.

The Gen 5 thing was just purely future proofing as AMD seem to keep there CPU sockets well support like the fact they still release AM4 CPU's (Id have probably just done that for now if I wasn't faced with having to buy a motherboard for my Nephew anyway). I was just thinking down the line I might get to upgrade the CPU without having to upgrade everything for once.