while the ram speed is true, the gains for that high speed are not big, 5% at best over a decent ddr4 3200mhz kit, so is not a vital performance increase, you can' see it as a loss really, nice to have, but not vital really
at the moment, the only gpu that sort of use pci express 4.0 is that radeon 7 and it uses it barely for gpu processing, not for games really
you will really need a pci express 4.0 gpu in 3 years, and the word need i use it lightly, because barely a rtx 2080ti uses pci express 3.0, is more like pci express 2.0, 8gbps more or less, that is why you can use those gpu on a old pci express and they barely see the difference, or a pci express 3.0 8x, that is basically a pci express 2.0, gpus today and in the next generation only will come closer to fill up pci express 3.0, forget 4.0
a shame the noise is a problem with that motherboard, to avoid it, or you wait for a motherboard using a big heatsink instead of a fan, or you go with a x470, a good model will support the 4000 series for sure, alot of b450 will too, if not all
the x570, the expensive models have lots of vrms to support those 16 cores overclocked, but to be honest, few are buying the 12 cores one, even fewer will move to the 16 cores
most people will move to a r7 on the am4 socket and then will move to the socket am5 in 2022, for the rumored 5nm cpus, i mention all this because when one wants to upgrade cpu, also consider a new build, and if things progress as fast as expected with the next socket from amd, you will not bother upgrading the r5, you will move to a new motherboard, ddr5 and a new cpu, instead of using the features of the x570
so my point is that you can search more for the right x570, but perhaps it is not what you want or need for the near future, so consider a more cheap and silent option