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Yes it's fine. You can't use it with a ryzen 9 part though, even down the line. You'll need to spring for the b650m gaming plus wifi if you don't want to have to worry about it in the future. Watch Hardware unboxed testing b550 to get an honest idea between the different boards. Keep an eye out...

Yes, the chipset is the same in both. The difference is the features and build quality. For example, the gigabyte board doesn't have Debug leds which are 4 lights for cpu, ram, vga and ssd. if something is wrong with your graphics card and your system doesn't turn on, the vga led will stay lit...

It wont have all the bells for sure. Wont have usb 4 (max i think is 20gbps through typc c) and limited to pcie gen 4 but i don't see that as reason to not keep using the system down the line. Your motherboard wont be bottlenecking your performance. As long as the power delivery is decent and...

The MSI b650-S also has 4 dimm slots though it isnt recommended to run all 4 dimms with the 7000 series AMD. (probably 9000 too) The ram speeds drop down very significantly harming your overall performance. Maybe the memory controller of future processors will be able to handle it but cant be sure

I would recommend the MSI model motherboard over the gigabyte one. It has debug leds. If you can spring another 3k for the Msi B650-S Pro wifi, it would be better since it has heatsinks on the top vrm, letting you use high power cpus when you upgrade later.