> Alas, most mobos only seem to hand out lanes in multiples of 4.

AFAIK, the cpu lanes can't be broken up beyond x4; it's a limitation of the pci-e root complex. The Promontory 21 chipset that is mainstream for AM5 does two more x4 and four choose sata or pci-e x1. I don't think you can bifurcate those x4s, but you might be able to aggregate two or four of the x1s. And you can daisy chain a second Prom21 chipset to net one more x4 and another 4 x1.

Of course, it's pretty typical for a motherboard to use some of those lanes for onboard network and what nots. Nobody sells a bare minimum board with an x16 slot, two cpu based x4 slots, two chipset x4 slots, and four chipset x1 slots and no onboard perhipherals, only the USB from the cpu and chipset. Or if they do, it's not sold in US stores anyway.

If pci-e switches weren't so expensive, you might see boards with more slots behind a switch (which the chipsets kind of are, but...)