My 2.5 year old build

Keep in mind:
1)The mobo cost $200, not what it is quoting now.

2)I already had the GPU, the Corsair cooling rig, and the optical drive.

3) RAM is still cheap, although not as cheap as I bought it. $140 for 32 GB in two sticks ain't bad. Pick a mobo brand, check the compatibility list, and buy the RAM you want while cheap. It's not perfect, but it'll almost certainly work. You must strike while the RAM iron is hot (cheap), prices can flex 250% in 18 months. Don't get caught buying at a peak. At worst, if your RAM doesn't get added to the compatibility list of the board you want before you build, you can list it on ebay and take a profit, and use it to cover the increased cost of the DDR5 you actually want. In my experience, "verified" RAM from reputable vendors is more of a way to force a warranty return with less of a fight, and not much functionally. Corsair, Viking, Crucial, G.Skill, and whatever stuff I jammed in my rig according to the PcPartPicker list link above has all been fine. The manufacturers update the RAM compatibility lists usually at least once a quarter, it's just as they test it according to procedures.

4) I bought components over a 6-9 month period before final assembly. Don't be afraid to do the same.

5) You probably almost certainly don't need the current flagship chipset X670/E, the B650/E will probably be sufficient. The MSI MAG B650 is $260. TBH, there's a tendency to only include one USB C port in front (header that provides a place to plug into your case with a front facing USB C port), and one in back, regardless of whether you have anything but the $500+ mobos (which in MSI's case seem to be the "Pro" or "Creator" series, which give you two in the rear. Yay.)

A CPU/Mobo combo like this might work, depending on your preferences.

Do NOT put 4 8GB modules to get to 32GB, you'll just regret it. Do whatever you need to do in order to spend the extra to get 2x16GB to avoid the ebay pain later.