See, that's the bit I struggle with.
I agree that an X570 is probably the best move, I'm typing this on my home X470-pro based machine and at work I have an X570 board because there aren't any B550 boards that could take the amount of I/O I needed to plug in on day one of getting that machine.
However, my reasoning is actually because B550 boards never have that weird front USB-C connector on them and the last few devices purchased in our house (phones, tablet, Oculus Quest 2) are all USB-C connected. Yes I do have some USB A to C cables and you don't *need* a USB C connector on the front of the PC and they all come with one around the back, but with my ageing back getting to the rear of the PC isn't fun so on any new PC a front USB C port will be right up near the top of the must have list. This X470 board did have the connector for a front C cable, though I had to buy a connector panel to go in one of the 5-1/4 in drive bays as the Antec 300 case is way too old, but I have my front C connector with a 10Gbps data rate
But networking? Well WiFi is a constantly moving target and my motherboards always outlast wifi generations by several cycles so I actively avoid motherboards with WiFi on them. There are some which have an M.2 WiFi connector on them so you can get a laptop WiFi card and upgrade the WiFi which seems a good compromise. My last WiFi upgrade cycle consisted of buying a TP link Deco pack of three mesh devices for £100 which gives me a decent coverage across the house, and those come with a pair of gigabit ports so you can plug devices into them to connect them to the wiifi network if I wanted to do that. But I have powerline, which is faster and more stable than wifi so I don't.
My point with 2.5GbE was simply that for example my work board is an Asus X570 Pro (because I needed three x16 slots and wanted ECC ram) and I think it cost £230. It doesn't have 2.5GbE, but I could add that with no stress using a £32 plug in PCIe card and still be under the cost of most boards with native 2.5GbE so if there are features I like in a board then ethernet support is right down the list because I can (and am increasingly likely to) plug it in. My wife's PC has a 2.5GbE port because I liked the rest of the features of the board, the faster ethernet was a bonus.
OFC my argument for ethernet cards could extend to a USB-C card as well. There is a cable neatness issue which is worth a few quid to me but I look at the cost of something like the Asrock Steel Legend board (which has the WiFi card connector to add your own WiFi) and you can buy a lot of cards with the savings.