I have a strong preference for cheaper, more austere, boards. Few boards are issue free, but spending more often doesn't lead to a better experience. Indeed, the extra hardware can complicate things and introduce more problems. The only reason to consider more expensive boards, IMO, is if a certain feature set one needs has been paywalled out of lower-end segments. I've had plenty of expensive boards, but outside of the rare exceptional product, I usually wind up disappointed with them. The issues causing such disappointment are much easier to swallow at a third of the price.
You can probably ignore X870 and X870E. The former mandates USB4, which works best if connected to the CPU, and takes four lanes. The latter adds a second Promontory 21 chip, daisy-chained to the first, for extra I/O that it doesn't seem like you'll need. There are X870 boards that allow USB4 to be disabled and a few that use the chipset lanes for it, but this is still feature bloat, extra complexity, and more money.
Anyway, barring any specific need for a 1DPC board geared for squeezing the last few percent out of memory performance, I'm going to recommend the
ASUS B850M-E. I liked the earlier non-E incarnation of this board a lot and would have kept it for my 9800X3D, except for the stupid chipset pseudo heatsink it had that would idle at 85C and overheat if anything attached to the chipset was actually used. Sure, I could have replaced the chipset heatsink, but there weren't enough advantages to this approach to keep me from returning it and just going back to the board I was previously using. This new version should not have that issue (chipset heatsink on the E is still garbage, but it's good enough garbage, rather than completely unusable garbage). It also has M2_1 and M2_2 directly connected to the CPU and doesn't share lanes with anything. The only extraneous feature is the ARGB controller/headers, which is almost impossible to avoid without really cheaping out elsewhere.
ASUS kinda annoys me, but they still have the best AM5 firmware (most exposed options). I'm still a bit paranoid about their support stinginess, but maybe they've improved.
ASRock has been my go to for a while, but I have had some issues with their RMA service recently; they haven't refused any of my returns and generally send me working replacements, but there has been something minor wrong with most of the boards I've gotten back, which is starting to piss me off. I'm not at all concerned about ASRock boards killing CPUs, but I am concerned with getting replacements with improperly installed I/O shields, questionable ports, or that are caked in flux residue from a socket replacement/BGA rework. My 9800X3D, 9700X, and 7700X are all in ASRock B650M-HDV/M.2 and, despite the quirks, I really like the board...especially since the average price I paid for them was about $120 each.
Gigabyte isn't bad, and I really like the hardware on some of their boards, but their firmware still seems a bit sketchy on AM5. My 7800X3D is in a B650M Aorus Elite, which has great hardware, but annoying firmware. I tried my 9800X3D in a second one for a while, but as with the original TUF 850M, I didn't find it to be an improvement over my cheap ASRock board and it's a poor memory overclocker. Some of their more recent boards are more appealing, but I don't have enough experience with their 800 series line up to recommend any of them yet.
I really
want to like MSI, but they segment/simplify their firmware to an absurd degree and all their lower-end and mid-range boards are missing options I make use of that are present in other brands' budget boards. Most notably they have no ODT Group A/B options on any board less than about 800 USD. This is a deal breaker in and of itself.
Settings are a more complex issue. There are a lot of areas to tune and a lot optimizations that can be made, even with a single CCD part like a 9800X3D. Precise goals and use cases will be important.
I imagine plenty of people will be recommending significantly more expensive boards than the $200 ASUS I am suggesting. Some of them will have compelling reasons, most of them probably won't. For some reason, people love to piss away money for no reason. It's not that I'm adverse to spending money where it needs to be spent, or even more than a strict price vs. performance assessment would justify (if I have a specific performance floor in mind), but I don't pay for aesthetics, gizmos, or gimmicks.