For around $300, consider the ASRock X670E PG Lightningor the MSI MPG X670E Carbon WiFi. They offer a good balance of features and performance for tha...
DDR5 is recommended.
Cooler Master MasterLiquid 360 ATMOS
PCIe 4.0 is enough for most build.
@ZenithZone2 Benchmark tests may reveal the variation, but in real-world usage, you're unlikely to detect any significant change in performance.
650W PSU is OK.