Buy decent memory, and a cheaper SSD. Since the MoBo is backwards compatible you should be able to get a PCI-E 4.0 SSD that won’t cost as much as a 5.0, and when (if) prices finally come down you can upgrade to a better one. Since a DDR4 MoBo isn’t compatible with DDR5 RAM, you’re stuck with DDR4 until you upgrade the MoBo again.
Buy decent memory, and a cheaper SSD. Since the MoBo is backwards compatible you should be able to get a PCI-E 4.0 SSD that won’t cost as much as a 5.0, and when (if) prices finally come down you can upgrade to a better one. Since a DDR4 MoBo isn’t compatible with DDR5 RAM, you’re stuck with DDR4 until you upgrade the MoBo again.