Also people act like budget users need PCI-E 4.0, which is useful only on new NVME SSDs.
Nvme SSD is not the most budget friendly option in the first place.
I am not sure where you are living, but NVMe SSD's are killing SATA SSD's, they are cheap, and the speed is 2x faster as minimum that NVMe has, 1GB at least of reading and writing for around 50-80 Euro's. 1-3GB(reading/writing) NVMe I can get for around 60-80 Euro's with 240GB - 512GB of memory. For example ADATA XPG SX8200 Pro 512GB, it has damn 3GB+ writing and reading...that's like 6-7x more of top performing SATA SSD's for the same price if not lower, costs just 80 Euro's (depending if those SSD's are or aren't MLC, since those are expensier, but if we look at TLC, then it's just about 70-100 Euro's for an SSD of 240-512GB capacity and 500-550MB reading/writing speeds, obviously NVMe is the way to go).
Personally I am looking for NVMe SSD MLC for OS, TLC can be for game storing with 512GB and 3GB reading/writing. I am planning in near future to get AORUS NVMe Gen 4 SSD, 1TB memory, and up to 5GB reading and 4GB writing speed, of course it costs quite a sum 250-300 Euro's , but much more worth than SATA SSD's, and performance is just unbelievable for such price.
The only sad thing I dislike, is that they all are, or majority are, TCL, and MCL are rare to find in this haystack of TCL's.