For me, I'm looking at Zen 5 because I'm going to be moving up from Zen 3 but I agree with this above.
The only question will be on how I can time the resale of my Zen 3 parts with the timing of the launch of new boards I would prefer to hold out until the Zen 5 X3D chips but those will come 6 months after so I may not have a choice.
I wouldn't worry about the board too much, just get any B650 that suits the needs, unless you absolutely can't live without USB 4.
I hope they are actually cheaper. We know what will probably happen though. Just like when the Ryzen 2 come out lots of us got the 2600 instead of the 2700. I did skip the 3 series and then got 5th Gen. Now AM5 is here and I might get next year's X3D. I guess the next CPU I buy will be at 6 GHZ
I was on Intel for roughly a decade until Ryzen 5000, which blew my mind with the 5950X. It was a waste of money, though, so I sold it not long after I bought it.
I tried AM5 first with the 7700X, and now the 7800X3D, which are entirely different CPUs in behaviour, although I'm not noticing any extra performance. This is probably the last time I spent money on the
"10% superior gaming powah" instead of saving it for a better GPU. I could have had a 7900 XTX with the 7700X instead of the 7800 XT, and it would have given me a much better gaming experience. Oh well...
I might still get a 9800X3D just for shits'n'giggles, but I'll think twice before I pull the trigger this time. If mid-range RDNA 4 comes to be better than my 7800 XT, I'll get that instead.