You will likely be overclocking everything, base clocks are never really used in a built PC on the CPU or GPU as there is no reason not to run at least the auto OC, my phrasing was poorly chosen. The question really should have been phrased how far are you planning on pushing your OC? For example, if I just set my mobo OC profile to auto, it automatically OCs my 10600K to 4.9Ghz (factory is 4.1) and runs 100% stable with no changes to voltage. On the GPU side, once you're set up, download and run Afterburner, it does a good job handling the OC on your GPU automatically the same way. With both, if you decide later to get curious, you can safely tinker without fear of burning it all down as the components really don't let that happen anymore.
From your reply I think auto settings will be what you use and with an AIO there's no reason not to. That said you still don't want to cheap out on VRM or build quality, but you also don't need features you won't use. The more OC you throw at the CPU the hotter it will run as well but if you're planning on running a decent cooler you shouldn't have any issues. I would also recommend running two drives in your system, a small closed C: drive dedicated to system files and another larger drive for everything else. Basically you want a C: drive that you never use and is dedicated purely to the system itself. It really does make things easy if you expand in the future or upgrade major components.
For what you've indicated so far I think you'd be fine spending a bit less on the mobo and going B550 since you don't seem to be interested in tinkering with performance as much. If you want more bling you start creeping back into higher pricing to have it though. Basically if a mobo has good RGB it will be loaded up with other options as well like multiple m.2 slots, better VRMs, better Wifi, and more on-board cooling for the VRMs and I/O components
Something like this should cover your needs outside the RGB. Single M.2, decent on-board cooling and VRM but still has USB-C. MSI's Bois is super simple to use and activating automatic CPU and RAM OCs are both one-click. I have no affinity to MSI mobos though I do currently use one and an MSI GPU. These choices just fit my search criteria of price/features/reviews. Asus, Aorus, Gigabyte, etc all make good products so go by what you think looks good, features and user reviews, not the name on the box.
MSI B550-A PRO ProSeries Motherboard (AMD AM4, DDR4, PCIe 4.0, SATA 6Gb/s, M.2, USB 3.2 Gen 2, HDMI/DP, ATX) : Amazon.ca: Electronics
www.amazon.ca
If you want more bling, you're pretty much stuck with more everything else. $10 more gets you better VRMs, cooling, I/O components and some lighting without going crazy and inflating the price. Given the option I'd spend the $10. Worst case you never use the extra M.2 slot, but all the other parts are still better overall.
MSI MPG B550 Gaming Plus Gaming Motherboard (AMD AM4, DDR4, PCIe 4.0, SATA 6Gb/s, M.2, USB 3.2 Gen 2, HDMI/DP, ATX) : Amazon.ca: Electronics
www.amazon.ca
Now if you aren't in a hurry to get the mobo I'd sit on my hands for now as there aren't any decent sales going. Around CES (Jan 11-14) there should be some decent deals popping up. Around Black Friday got my Z-490 mobo for $100 off making it about the same price as the cheaper options but it came with much better components, more features like wi-fi 6/Lightning USB/etc and even a few more lights. I got my CPU for $100 off and go two M.2 drives (500GB/1TB) for $150. In all I saved a few hundred dollars.
If you can afford to be patient and keep your eyes peeled on a few online stores you could probably run across a decent X570 mobo for what some B550 mobos are selling for, or just get a higher-end B550 mobo cheaper. You might also want to keep your eyes peeled at local PC retailers for CPU/mobo combos as they tend to offer those deals as a means to get local traffic to stop in and spend a bit more on other parts.