AM5
only has 28 lanes, where does the motherboard get the remaining 16 from? It doesn't!
There is lane sharing, the 2 chipsets handle it, turning 4 lanes into 12 to allow for 3 extra m.2 drive (I dunno how you arrived at the 44 number, whatever way you used is wrong). The block diagram for the board shows this very clearly (kudos to Asrock for still making them easily available in the manual)
View attachment 393897
Btw, not only there's lane sharing, they're sharing the bandwidth with everything else in the system - USB, wifi, SATA and the sound DAC. You'll only get to use the SSD full speed one at a time and only if you're not doing much else on the computer. I personally don't understand why people bother with this kind of set up but hey you do you.