Affordable PCIe 5.0, with a plus
ASRock Phantom Gaming Z790 RIPTIDE WIFI has PCIe 5.0 16x slot and PCIe 5.0 x4 M.2 slot, but if you want to use them both, then the PCIe slot will be reduced by 8 lanes and become x8 slot. The effect produced depends on the GPU you are using, as 8 PCIe 5.0 lanes are sufficient for most GPUs. You can also stick with three M.2 Gen4 slots if you’re worried about your lane.
If you’re looking for a motherboard that offers all of the above, plus 2.5 GbE LAN, WiFi 7, and multiple Type-A and Type-C Gen 3 USBs, then check out what FPS Review has to say about this Riptide motherboard.