Its mostly a lie with USB thumb drives anyway. You are not getting 20gbps read/write speed to the device, but the USB connection is capable of it, so they get to slap a sticker on it to fool people into thinking its faster than the drive next to it on the shelf or the one you already own.
But if you wanted to connect a 4k monitor with a refresh rate over 60Hz and/or HDR, or an external gpu or a heap of drives on 1 usb connection then all of a sudden USB 3.2 is important.
EDIT:
I feel I should point out that a Samsung 9100 Pro m.2 NVME 4TB has sequential read/writes of 14,800/13,400 MB/s. Which means USB 4 2.0 (80gbps) would actually be holding the drive back. 20gpbps is 2,500MB/s, 80gbps is 10,000MB/s. So you need to really think about what you are connecting to understand what your limiting factor will be.
