High end boards don't save you from upgrading though, if anything it just makes the numbers worse. I could have bought a €300 board instead of the €70 I paid for the one I have now, and the only tangible difference would have been 1) 1 more NVMe slot (not worth €200) and best case two more SATA slots (I got a €20 controller card instead) and 2) maybe less VRM worries. The perf/cash ratio decreases with high end motherboards.
Also it's insane that "I don't want to spend the amount of money that not too long ago would have gotten me a decent entire computer on just a motherboard" is tantamount to "taking your chances".
It's been said before, "You get what you pay for" and top-tier boards will give you that much at least (Or they should right?)
Top-tier boards are ones that have most/all the goodies for supporting higher draw chips and made to handle them so the system itself
should last.
No guarantees of course but the odds are more in one's favor that way.
In short it's not a matter of upgrading in itself, more like it can help to prevent a compulsory upgrade when you're not ready to do it at that time. The system dies and it's either fix it if you can or go ahead and upgrade the whole thing, which can be hard or even next to impossible for some when it happens.
That's one reason why I personally tend to go upper/top tier with my stuff if I can and so far I've only had one to just "Drop Dead" on me but that was the ill-fated MSI 790FX-GD70 series boards which were dropping like flies due to the weak VRM setup (4+1) they all had.
Even running a hex core
at stock was enough to do them in - Guess how I know it?
Even though they claimed it could handle a hex core, the sheer number of VRM deaths with these boards told a different story and to top all that off, the next series (890FXA-GD70) was the same exact way for the same reason too with the same results to go with it.
That's why it actually pays to look over a board model, see what it's made of and go from there. The odds of an upper tier board of having all you'd need to live a long life are greater - Not guaranteed, just a greater chance of it lasting until you are ready for an upgrade.
However, to sum it up as another put it:
Yup, cuz everyone wants to be hardcore until they break something. Stick to your budget and enjoy yourself.
This.