I’m finalizing a new Ryzen 7 9800X3D build on an X870E board that has both Gen 4 and Gen 5 M.2 slots. The CPU looks like a gaming monster, but I’m torn on storage.

I want the fastest practical SSD for everyday Windows + game loading—no heavy video editing or 100 GB file transfers. Budget is open, but I don’t want to pay for bandwidth I’ll never feel.

Current short-list:

• Samsung 990 PRO 2 TB (Gen 4, ~7.4 GB/s)
• WD SN850X 2 TB (Gen 4, similar speed)
• Crucial T705 2 TB (Gen 5, ~14 GB/s)

Questions:

Does the 9800X3D’s cache/IO die benefit from Gen 5 in real-world game load times or shader compile?
Any heat or throttling issues on these drives in a mid-tower with a front-intake AIO?
Is there a “sweet-spot” Gen 4 drive I’m overlooking that’s cheaper but still “fast enough”?
Looking for first-hand experience—especially if you’ve already paired a 9800X3D with any of these drives. Thanks!