Honestly, you don't even need to worry about the PCIe version, unless you use your PC for workstation tasks that actually benefit from the higher sequential bandwidth.
General PC usage and gaming don't actually benefit to any significant degree from SSDs with higher sequential bandwidth. By far the most important thing is to maximise IOPS and random read speed, which will not be significantly affected by the PCIe version that your motherboard supports.
Plenty of low-end PCIe 4.0 SSDs (e.g. Kingston NV2) don't even exceed the maximum bandwidth of PCIe 3.0, so there is literally no difference in performance when you install them in a B450M motherboard compared to when you install them in a motherboard that supports PCIe 4.0 or 5.0.
I have a B450 motherboard, and my next SSD will be a Netac NV7000, because it provides the highest random read performance and IOPS (i.e. the performance metrics that actually matter for gamers and general usage) for its price. I don't care that I won't be able to get the full bandwidth; I wouldn't use the bandwidth anyway.
I
don't care about
THIS. The fact that my ideal SSD beats every other SSD in the benchmark is simply irrelevant to me. I won't get this much bandwidth because my motherboard doesn't support PCIe 4.0, but I don't need this much bandwidth anyway, because I'm a gamer, not a video editor or other workstation user who would actually benefit from more sequential bandwidth.
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I
do care about
THIS. The NV7000 is cheaper than the KC3000, and random R/W performance will not be limited by PCIe version, it will be limited by the controller on the SSD.
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Games which use directstorage do benefit somewhat from the higher bandwidth, but these are currently the exception, not the rule (at the time of writing, only 5 reasonably popular games support it); and it's normally not worth spending the money and effort to replace your motherboard in order to get slightly better performance in this handful of games. It will become more useful in the future, but I expect that by the time being limited to PCIe 3.0 makes a significant difference in the majority of games or general PC usage, any AM4 CPU will be too weak to be relevant anyway (similar to what the PCIe 2.0 limitation did for Intel 2nd generation Core CPUs: basically nothing, even though the generation had exceptional CPU performance and remained relevant for more than 5 years).
PCIe version matters for graphics cards with gimped PCIe buses (e.g. RTX 4060 Ti, RX 6500 XT), and for workstation users who really need a ton of bandwidth, but is otherwise unimportant.
