I feel like this used to be a bigger issue, now virtually all motherboards have an M.2 A/E key slot for a wifi card and the Intel ones are pretty bulletproof and dirt cheap, in my experience.
Most modern low end boards don't have this. And a very big chunk of desktop computers in use nowadays probably fall in the having a low end board category or being old enough for that to not be a feature. (my desktop is in the first category lol)
Fair, although given M.2 is just PCI-E, a quick search on aliexpress shows adapters for under a fiver, might be the best route to a known good option (assuming those adapters aren't problematic themselves, but they should be simple, also assuming most people have a free PCI-E slot these days, outside of ITX boards, but those not having an M.2 for wifi seem unlikely).
i'd say the usb wifi's are for the many smaller form factor motherboards lol. then there's planned obsolescence like what has happened with Dell and Intel parts; wifi industry is literally an oo-new-shiny and drop's the mic on old stuff
So throw out the one the motherboard comes with and buy one to replace it?
I mean, my experience has been that they tend to come with ones that have good support, but I accept this may be a lack of familiarity with the low end of the market, although given how cheap the Intel ones are, I'd suspect the low end is more likely to just not ship one than ship a bad one.