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I am still on PCIe 4.0 SSD and I am often bottlenecked by the local network (still on Gigabit) and HDDs in my system (they still make more sense if you need 10+ TBs of storage).
Although for my next build, I would probably go with a PCIe 5.0 SSD.
My newest PC only supports PCIe 3.0. My SSDs are still plenty fast, at least until they start thermal throttling.
Agreed, PCIe 4.0 SSD temperatures seemed very high when I first built my PC.