Mark that as B550, and I 100% agree.
In the consumer-space, there's nothing 5.0 availible, yet. Even then, only 5.0 on the M.2, with Gen4 drives falliing fast?
So, from a 'normal customers'' perspective, yes.
The answer lies in the second part of my post: one can 'split' that x16 5.0 and expand to one's content.
While the kit stays spendy for a few years, there's lots of surplus Gen3 and incoming Gen4 Switch/NVMe RAID cards. Not to mention the dregs of GPU mining's 'ancillary needs'.
Personally, I use retired server and mining kit, for fun. (I'm weird, it's okay if you can't relate.). Regardless, there are some legit uses for why I and other customers would like bifurcatable-latest-gen x16.
-SOHO/Sm.Biz server boxes come to mind. (more than few of my 'retro' purchases have included mid-tier 'enthusiast' boards, clearly used as a server in an office, etc.)