I got a 13700k 3 month ago. I had to buy a cheap board which was whitin my budget. I got a gigabyte b660 da3h which has some good features but not enough board for this cpu. Vrm temsp were going as high as 107 degrees Celsius and starting to struggle. I added a heatsink myself which helped but it is not just matter of vrm. For this cpu you need overall good power delivery which can hadnle such cpu without holding it back. Even if you say you won’t overclock get a decent board of z series. Or good b760 at least.

Just because Gigabyte has Q flash Plus I d go with Gigabyte rather than TUF.

First of all how much ram speed you need considering that most systems at high speed not stable. And intel doesnt benefit as much as AMD when it comes to memory speed. Correct me if I am wrong. Second, you are telling me you would pay 299$ for z790 Tomahawk rather than MEG Z690 Ace for 249$ for instance.

Z690 or Z790. Both works. So if you find a better z690 for the price get that one I suggest.