IF my money is tight & you want some degree of "future proofing". AM5 is the way to go, you could get an A620 board, a Ryzen 5 7600, heck you could even get an 8000 series for cheaper like the 8500G & a cheap kit of 32GB ram or even a 16GB kit for the time being.
The price competitiveness of DDR4 V DDR5 RAM is a very real thing nowadays, shop around you'll be surprised. There are A620 boards that are as cheap as B550 boards. MSI make a
B650 board for 10 bucks more than an A620, so there is something to think about with a little rese