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One thing to look for is whether USB4 SSDs (same as TB4 for most practical purposes) start displacing the current crop of USB3.2 ones at comparable prices. There are a couple - but they seem to be going at a premium over 3.2, although it is tricky to compare since you need a fairly high-end SSD in there for the difference to matter. Then we've got TB5/USB4v2 which should be a huge difference for PCIe-based devices.
My point is that macOS treats USB 4 drives fundamentally differently than USB 3 drives. An NVMe SSD in a USB 4 enclosure is seen as an NVMe drive. In contrast, the same drive in a USB 3 enclosure is seen as a USB drive, and the behaviour in some situations is different, less reliable for USB 3.
 
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