You won't notice the diff between gen 3 and 4 as long as the gen 3 is of decent repute (aka 3000-3500 for both read/write sustained spec). So go for what's most cost effective.
You can get the WD_BLACK 2TB SN770 for £122 as an example of a gen 4 drive right now to give you an idea of how low prices have come. 4500MB/s write and 5100MB/s read. decent for everyday use.
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