I don’t think getting an APU ‘just in case’ is a good idea. It limits your turbo frequency and halves your L3 cache compared to the equivalent CPU variants. It also limits you to PCIe 3.0 only. Some AM4 boards have a single 4.0 x16 slot for graphics cards, so getting an APU could directly affect the graphics performance from a discrete GPU. OP should get the chip that is more suited to their typical use case.