For me Gen 5 drives aren't that attractive and don't make any real sense because:
- no tangible significant improvement in 4K Random Read Speed (this is what actually makes SSD's feel faster for normal day to day operations)
- heat output and the effects on the SSD hardware in the long run and the rising temp in near components plus in the overall computer case
- size with the extra bulk from cooling choices
- for most users the differences in real sustained writing speeds with ~3000 MB/s or with ~6000 MB/s (that by the way is marketed at 7000 for gen 4 and 12000 for gen 5 in bursts of benchmarks) is irrelevant because you won't download at that speed, at best this is used for video editors or someone that is constantly moving around very large files and that is what 1% of PC users
- pricing
At this point my main source of SSD info is from NewMaxx that has been studying SSDs for 15 years, you can read plenty of info, news and review collections here:
One of his very helpful info catalog is located here:
docs.google.com
From that we have:
- gen 4 Crucial T500 with a Phison E25 Controller with Micron TLC 232 Layers Nand rated at 7400/7000 R/W
- gen 4 MSI Spatium M480 Pro with a Phison E18 Controller with Micron TLC 176 Layers Nand rated at 7400/7000 R/W
So the Crucial drive has newer controller and newer nand but I'm not exactly sure it deserves extra €50 just for that.
I will probably side with what is cheaper and always have a heatsink on that be it from the one that mainboard provides or if you need to pay extra to get the SSD with its own heatsink if you have none left from your mainboard.
Myself I'm using gen 4 Kingston KC3000 with a Phison E18 Controller with Micron TLC 176 Layers nand and I'm perfectly happy with its performances, cooled by the heatsink provided by the msi b650 tomahawk board.
Also read that the Kingston Fury Renegade has just a nudge better sofware improvement on it so if you see them same price go for the Fury instead of the KC3000 one.