shmoochie :
Given that video cards nowadays aren't bottlenecked by pcie 3.0, could they restrict a slot to using 8 lanes of pcie 4.0, leaving the extra 8 open for m.2 or whatever else?
While AMD's CPUs support splitting the CPU PCIe host into multiple ports, implementing that flexibility on the motherboard requires a bunch of PCIe muxes, which means more parts, more cost and more power, so most motherboard manufacturers don't bother with those in the mainstream beyond the usual x16x0/x8x8 for SLI/CF on such motherboards. PCIe 4.0 being newer, PCIe 4.0 versions of said switches and related support circuitry is going to be significantly more expensive until the 3.0 stuff gets deprecated.
As long as the chipset link gets upgraded to PCIe 4.0 to alleviate the CPU-chipset bottleneck, running NVMe SSDs off chipset lanes will be perfectly fine for 99.99% of normal people. The SATA to NVMe upgrade is already marginal for many, 3.0x4 to 4.0x4 is going to be imperceptible to most under typical everyday use, so there is no point in motherboard manufacturers wasting effort on accommodating that in mainstream boards.
If you insist on having your NVMe SSDs on CPU-hosted lanes and can't find a motherboard you like that supports it, you can always get an SLI/CF motherboard and use an NVMe adapter in the second GPU slot.