It's smarter to buy a cheap motherboard that meets your needs now. If in the future you find the need for USB4 or some other feature, upgrade the motherboard.
More often than not, builders will try to future proof for eventualities that don't arrive before it's time to upgrade to the next CPU socket anyway. There are a lot of people with expensive, outdated "futureproofed" builds who would have been better off saving the money on the original purchase so they could upgrade sooner instead.