I can confidently say we all can live with PCIe 4 connectivity for a good while, as long as there's a lot of it. PCIe 5 is not going to give tangible benefits anytime soon to the average user. I'd be even willing to say PCIe 3 over 4 doesn't even show that many improvements in GPU performance and even NVMe drive performance (using peak sustained reads is stupid as a single metric "show-off").
People loves to jump blindly to the latest trends without stopping to think if it makes sense to jump still. AMD giving the option to the AIBs how they control the segmentation a bit better is actually a good idea. That way we can all choose what we want based on the specs of each chipset/motherboard family. I guess the fine print here is the amount of total lanes each chipset will accommodate and the uplink to the CPU/SoC.
Regards.