I picked X670E PG Lightning. Not as posh, but comes with Gen5 both for PCIe slot and for M.2. A number of X650E motherboards have the same, with only 8 usable PCIe lanes less (up to 36 instead of up to 44, of which in both cases up to 24 PCIe 5.0 lanes). But the cheapest of these are here currently available at around the same price as the one I picked.
B650 and X670 mothreboards were no option for me, as these MBs have no PCIe 5.0 slot and at best just for M.2.
Of course, PCIe 5.0 is not needed for current-gen GPUs, and a bit of an open question if already in about a week released new AMD GPUs will make use of it. But I hope the MB will last me at least several years, and probably some more GPU developments in that time as well.
... why the manufacturers keep making the top pcie slot the fast one. ...
An usual mid-tower would leave little to no room at the bottom slot for proper air ventilation. So it doesn't seem much of a mainstream solution to ask everyone to use the bottom slot (even aside of the mentioned issue of latency).
But, e.g. specifically the reviewed X670E Taichi has a second PCIe 5.0 x16 slot at the bottom (only one can be used as x16 at the same time), and the X650E Taichi has the Gen5 M.2 to the side of the RAM. Or e.g. ROG Strix B650E-E Gaming WiFi, that one has likewise two PCIe 5.0 16x slots, and it has two Gen5 M.2 spots, one of which is at the bottom.
The price may be an issue of course. Which is why I went for a MB which has the Gen5 M.2 inbetween GPU and CPU, where I personally worry more about an eventual M.2 cooler colliding with a larger CPU air cooler (which then led me to pick a case with among other clearance for the CPU cooler height, to leave me soom options if or when I upgrade the CPU - something which is also relevant in regard to RAM, as DDR5 has a bit more height).
But if one wants to be able to hit the ground running with Gen5 M.2 SSDs, without having to wait for improved M.2 cooler solutions and/or without having to rethink the entire rig cooling in use, then there are as mentioned already some motherboards to consider.