Oh, I know exactly what you mean. I just went through this ordering a board for my sister's build. I ended up going with almost the exact same configuration, slightly different. B460m VDH but not the wifi model, because she doesn't need the wifi, and the i3-10100. I already have maybe ten DDR4 kits around here so that part is a non-issue.
Now, I WOULD have preferred to go with something Ryzen like one of the G models with graphics built in, and those USED to be a very good budget option. Not anymore. ALL of the Ryzen CPUs are basically more expensive than something equivalent from Intel, which is quite the script flip, plus the Intel parts are actually, somewhat, available. As for the motherboards, there is definitely a problem with supply and that's a perfect storm threefold problem, because of what's happened all year with hardware supply chain from China and elsewhere PLUS the holiday season just happened, AND there are major problems with supply of various parts for CPU, motherboard and graphics card manufacturers and all three of those things are seriously affecting availability and price.
This, is just a small example, overall, of why and what's going on.
https://www.tomshardware.com/news/intel-chipset-shortage-motherboard-prices-skyrocket
Mainly, there is a shortage of parts for all these components to be built, plus the various fabs are overwhelmed with demand and a lot of it isn't even PC related. CPUs for phones and such is a problem and Apple is high on the list of companies adding to the problems for everybody else because they have so much fab production allotted to them by TSMC, which affects AMD. It also affects plans that Intel supposedly had to possibly offload some production of their own CPUs to TSMC to ramp up production, which probably is a big fat not happening now.
Then SSD controller manufacturers say they are having shortages as well, so the price of SSDs is probably going up and availability going down, despite there being a glut of NAND.
As you know, power supplies are expensive still, and are still hard to come by. It's everything right now and the majority of it I believe is simply down to so many places having shut down production for short OR long periods of time, depending on where it is, and also a few small catastrophes that have happened where power has been lost and other various minor nightmares have occurred at some fabs.
That's why I say, whatever is cheaper but will do the job is the best option right now.