Yours, is exactly how I feel about the whole issue.I bought a B450 board a couple of months ago, do I regret it? Not very much. The X570 boards are twice more expensive and have nothing I need, plus most of them include the annoying chipset fan. If I ever want to upgrade to Ryzen 4, I can buy a B550 board and still probably end up saving money compared to having bought an X570 board. AMD could have avoided this though by not delaying B550 release by almost a year.
I actually bought the X470 Gaming Plus first...along with an R5 2600x.
When the 3000 series was released, I purchased the 3600x and decided to use the 2600x for an entertainment PC.
Not wanting to deal with active chipset cooling fans was my biggest decision to stick with the 400 series of motherboard.
I certainly did not need PCI-e 4.0 support.
I purchased the B450 Gaming Pro Carbon AC about two months ago because of the better VRMs, built-in Bluetooth and wireless.
I do not regret purchasing it one bit...as I got the board at $119 shipped.
Had I paid the usual $165-175...then maybe I'd see things a bit differently.