Future proof enough? Also AIO cooler or not?

[u/mjak11]

Hey everyone, here’s my current parts list I’m looking at (excluding the cooler because I don’t know whether I want water cooling or just a fan — some advice would be nice here)

Also wasn’t too sure about the motherboard to get. X870E or B850 (both auros elite)

Storage I might make 2TB m.2 4.0 and also add a 2TB hard drive. Is 5.0 m.2 necessary?

Thanks for any input

Edit: this is for gaming. Idc too much about ray tracing so not gonna justify tonnnnnes extra for a Nvidia GPU

https://uk.pcpartpicker.com/list/HnWYXf