That is basically same as asking if it is worth to buy pcie 4 gpu over pcie 5 gpu. It really depends on product and your use case. I would argue that you might see some improvement on games using direct storage, but there are a lot of if:s in that. I would also argue that you see noticeable difference on windows startup time if you go for intel optane 905 which is gen 3 vs any pcie 5 currently on the market. That has like 3x higher 4k read performance. Interface just enabled higher transfer speed, you need something on the other end that can actually use the available bandwidth on the other end. 14GB/s is not really worth it if device can do 100MB/s at 4k file size if that is your primary need. Personally I think pcie 5 SSD is waste of money because most use cases require higher small file reads, which are currently somewhere between 50MB/s and 350MB/s. Most SSD:s are below 100MB/s and optane:s were at bit above 300MB/s. Sadly Intel could not market them properly as they have max transfer speed below 3GB/s, while Samsung 990 is above 7GB/s. It is pretty hard for marketing team to say Intel one would be faster on overall use when most people just look at max transfer speed.

For every day use for the average user any SSD would work. There isn’t an expert in the world that can tell the difference in any SSD during typical everyday use.