Buy a $300 motherboard now in case you need future features, or buy a $100 motherboard now that does everything you currently need and then buy a second or even third $100 motherboard if you ever actually need those future improvements.

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.