Do I really "need" an X870E?

Hey guys...old timer here. Haven't built a PC in about 10 years, but my setup is really old and needs a refresh, and I want to build this one. Would really be appreciative of your input on MB/CPU/GPU for simple, 1080p gaming, mostly D4/PoE2/WoW level games...EQ3 if they ever release it (and/or Ashes of Creation, again, if it ever releases).

Should I go AM5 X870E / Ryzen 7 9800X3D / Radeon 7900 XT (or XTX)

Or would I be fine with something like a AM5 X670E / Ryzen 7 9700X / Radeon 7600 XT

I don't use WiFi for internet, have minimal need for USB ports (maybe 4 or 5), and have heard NVM Gen 5 is a waste for gaming.

Thanks for your time!