It's smarter to buy a cheap motherboard that meets your needs now. If in the future you find the need for USB4 or some other feature, upgrade the motherboard.
More often than not, builders will try to future proof for eventualities that don't arrive before it's time to upgrade to the next CPU socket anyway. There are a lot of people with expensive, outdated "futureproofed" builds who would have been better off saving the money on the original purchase so they could upgrade sooner instead.
Wanna guess how many times I've used that USB-C port? Maybe once or twice in the 9 years I've owned it. Never needed it. I also couldn't tell you what X370 is getting me that B350 wouldn't have gotten me.
"$1600 is too much for a video card" - me a few years ago on not buying an RTX4090 from nvidia's website.
"I only need 32Gb of RAM. If I want more later, I'll just updgrade" - Me a year ago.
Both mistakes, with hindsight. I will always future proof from here on out.
"$100 is a reasonable amount for a video card, I know this is on the budget side but at least I have a card this way" — me 12 years ago.
"I guess it's worth it to spring for 8GB of RAM..." — me 12 years ago.
Still using the same machine, with no regrets (just the occasional bit of envy).
Different people have different expectations and requirements.
Note that this was before the RAM shortage, but I bet you could still do this now and save a little versus mid-tier current gen gear.
Then you get a new board designed for the new features instead of something several years old and you come out $100 on top.
Futureproofing is nonsense. PCs just don't work that way, and haven't for decades.
Right, but the problem is that by now your $100 new motherboard requires a new CPU and new RAM. Which is very much not $100.
In the past we got away with PCI cards to add features without changing the motherboard, but we still ended up changing everything every 2 years anyway…