I've spent the last few years extensively testing PC components, and without a doubt, the Samsung 990 Pro M.2 PCIe 4.0 SSD is one of the best SSD options you can choose, even if you're using a PCIe 5.0 motherboard.
While it's typically quite expensive, you can get the Samsung 990 Pro 2TB PCIe 4.0 SSD for just $169.99 (regularly $249.99) right now at Newegg.
This model does not come with a heat sink, but you can spend an extra $10 and select that option. While it's a PCIe 4.0 SSD (so heat isn't as big of an issue as it is with faster PCIe 5.0 SSDs), in my testing, the heatsink definitely helped keep the drive's performance stable during heavy workloads. As such, definitely go for the heatsink option if you don't have a built-in heatsink on your motherboard.
Today's best Samsung 990 Pro SSD deal
More about this Samsung 990 Pro SSD offer
The main reason this PCIe 4.0 drive is so expensive at MSRP is that its sequential read and write speeds are pushing the limit of what the PCIe 4.0 interface on a motherboard can handle. However, with this 32% discount at Newegg, you can get it for one of the lowest prices I've seen for this unit.
Rated for read speeds of up to 7,450 MB/s and write speeds of up to 6,900 MB/s, there is very little room left for the maximum read/write of 7,500/7,000 MB/s for the PCIe 4.0 standard.
In my review of the Samsung 990 Pro, I found that the unit effectively achieves these speeds for a fairly common configuration for most prosumer users and gamers. If you're still using a PCIe 4.0 system, this is probably the fastest drive you'll ever use (and it's incredibly fast!).
Even better, this drive will also work with your PS5 console and can reach read speeds of over 7000 MB/s, making it fantastic for loading gaming content quickly.