pcie 4 is the only reason to go to b550. if that means little to you, then you're good to go.
if you feel you need it, then swap to a b550. as noted above, the same model you ordered with b550 in front of it would bean obvious swap.
take the time though to consider m.2 slot needs/wants as well as usb ports and so on while you go the chance to change it. many people wait until they start hooking stuff up to realize they can't hook up everything they want/need.