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Two separate decisions sit inside an AM5 kit and they are easy to conflate. One is which processor generation to buy on a socket that carries several. The other is how much motherboard that processor actually needs, which is a different question from how much motherboard is available.
The socket's remaining life shapes both. AMD has committed to AM5 through 2029 and the next architecture is expected on desktop in 2027, so a board bought today is likely to see at least one more processor generation pass through it. That argues against the very cheapest board if a chip swap is in your plans, and against overspending if it is not.