Seeking Advice on a New Build - PC part sales

My existing rig is 13 years old and I've decided to have a new rig built for me. I've come to understand over the last few days that deciding on hardware is a lot more complex than it was 12 years ago and I need some advice but let me start by explaining what I want.
I'm not a gamer and from what I've been told for what I currently do on my PC, an Intel Core I3 would meet my needs. However, based on my experience with my current rig, if you exceed your needs now, the PC you'll build, will last as long as you don't have a hardware failure so I'm wanting my new rig to have a Core I5 instead. Since I want this rig to last I'm going to put a 13th generation Core I5 in it. I'm also planning on it having a Western Digital 1TB SSD in as well. With the above being stated this rig will probably be a once and done build with probably zero chance of it being upgraded down the road.
One question for starter is whether I should go with DDR5 memory or with DDR4? I was speaking to a tech today that said that for what he does, he can't tell the difference in speed between DDR4 and DDR5. Another person I've communicated with said that the price of DDR5 memory is low right now and that since this is a once and done build I might as well go with the faster RAM. With that in mind my local parts house seems to be geared toward DDR4 boards instead of DDR5 boards so if I were to choose DDR4 I would have a wider selection of boards.
Based on the direction of DDR4 vs. DDR5. I'm looking for a board that's not necessarily a high end gamer's board but I don't want a low end board so something in the middle would probably be best. Note that I'm certainly limited to any of the following boards but these are the boards my local parts house stocks. My problem is that I don't have a freaking clue if these are high end, low end or mid-tier boards but most of them are DDR4 boards instead of DDR5 boards. The store obviously likes Gigabyte boards with a couple of ASUS boards thrown in. Since this is a major purchase I'm trying to avoid a major screw up by not picking a decent board so any help and/or advice folks can offer will be appreciated.
GIGABYTE B760M DS3H AX LGA 1700 Intel B760 M-ATX Motherboard with DDR5, 2* M.2, PCIe 4.0, USB 3.2 Gen 2 Type-C, WiFi 6E, 2.5GbE LAN, Q-Flash Plus, PCIe EZ-Latch
GIGABYTE Z790 UD AC LGA 1700 Intel Z790 ATX Motherboard with DDR5, Triple M.2, PCIe 5.0, USB 3.2 Gen2X2 Type-C, Intel Wi-Fi, 2.5GbE LAN, PCIe EZ-Latch, Multi-Key
ASUS Prime Z790-A WiFi 6E LGA 1700 (Intel 13th&12th Gen) ATX Motherboard (16+1 DrMOS, PCIe 5.0, DDR5, 4x M.2 slots, Intel 2.5 Gb LAN, USB 3.2 Gen 2 Front Panel Type-C, Thunderbolt 4 (USB4), DP, Aura Sync RGB Lighting)
They have the following DDR4 boards:
GIGABYTE B760M Gaming X AX DDR4 (LGA 1700/ Intel/ B760/ M-ATX/ DDR4/ 2* M.2/ PCIe 4.0/ Front USB 3.2 Gen 2 Type-C/ 2.5GbE LAN/Q-Flash Plus/PCIe EZ-Latch/Gaming Motherboard)
GIGABYTE B760M DS3H AX DDR4 LGA 1700 Intel B760 M-ATX Motherboard with DDR4, Dual M.2, PCIe 4.0, USB 3.2 Gen 2 Type-C, WiFi 6E, 2.5GbE LAN, Q-Flash Plus, PCIe EZ-Latch
GIGABYTE Z690 AORUS ELITE AX DDR4 LGA 1700 Intel Z690 ATX Motherboard with DDR4, Quad M.2, PCIe 5.0, USB 3.2 Gen2X2 Type-C, WiFi 6, 2.5GbE LAN
GIGABYTE B660M AORUS PRO AX DDR4 B660 Intel LGA 1700 Micro-ATX Motherboard with DDR4, Dual M.2, PCIe 4.0, USB 3.2 Gen2 Type-C, WIFI 6 802.11ax, Intel 2.5GbE LAN
ASUS PRIME B660M-A D4 LGA 1700 (Intel 12th & 13th Gen) mATX Motherboard (PCIe 4.0, DDR4, 2xM.2 slots, 1Gb LAN, DP, 2 x HDMI, rear USB 3.2 Gen 2, front USB 3.2 Gen 1 Type-C, Aura Sync)