You would be crazy not to get one of the NEWER Z790 MB that support higher Memory Clock speeds. In addition to WiFi7. And even crazier not to go DDR5 with the newer games benefiting from the higher bandwidth (finally). If this will hold you over for the next few years, no sense saving the 75 - 100 dollars. I kick myself now staying on DDR4 with a Z690.

The Z series tend to have better quality componentry which is what you'd need for the 13th Gen i5's and above with the K suffix. Z790 chipset board will come with the right BIOS out of the box for you to drop in a 13th Gen Intel processor onto the socket. The Z690 chipset boards will need a BIOS update in order to work with the 13th Gen Intel processors. If your board is bottom of the barrel style, meaning it's very cheap, then they tend to lack any form of BIOS update functionality like BIOSFlashBack(whereby you don't need an older CPU to flash the board's BIOS to the latest version before you drop in a new processor). If you're asking me which one I'd pick of all the chipsets listed above, I'd definitely get a Z790 and forgo the BIOS flashing ordeal. If I wasn't dealing with a K suffix processor I'd invest on a B series chipset.